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 TransUnion, XXXX 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 XXXX, TransUnion 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: Mortgage

I would like to have escrow analysis run on my mortgage. My payment has been very high and they are taking XXXX per month escrow. 
I need a new escrow analysis done.
Product: Credit card or prepaid card

In XX/XX/2020, I booked a flight for me and my son to travel in XXXX. After booking the flight, Delta changed the itinerary and I was unable to make the new flight times work. I contacted Delta and asked for a refund, and they gave me written notice that a full refund would be credited to my American Express. When I received the refund, it was only a partial refund, and the remaining amount was credited in travel vouchers. I reached out to Delta and requested that they honor the written agreement we had to refund me in full, specifically because at that time I had asked about travel vouchers and they assured me there would be no travel vouchers. Delta refused to refund me the difference. The only choice I had left was to file the complaint with AMEX and provide them the written documentation that I had with Delta. AMEX denied my claim stating that Delta said I had received travel vouchers and was not owed any money. Note : I have since filed a complaint with DOT against Delta.  I asked AMEX to review the claim again, and they provided me the same language that Delta had provided me travel vouchers. In addition to the travel vouchers dispute, when I had to rebook the flight that had been changed, that flight also was cancelled, and I am still being billed for that flight as well under the guise of travel vouchers being issued to me. To date I have been charged for 2 flights for my son and myself and not taken even one flight.
Product: Mortgage

The information about Mortgage insurance was omitted during the closing process. no one explained or disclosed that i was goin to have to pay mortgage insurance for 11 years when my down payment was 18 %. i could paid the remaining 2 percent. also the calculation of MIP is higher than it should be and they are unwilling to revise their number and explain what percentage is being charged.
Product: Checking or savings account

A CHIME banking debit card was sent to my parents ' address with my name on it. I did not request an account be opened. They have my social security number, telephone number, name, and address. I tried to contact them via telephone to close the account but you can not speak with a human over the phone. They direct you to a website and email address, that are the ONLY way to get human support. I did not want to give them my email address so I reached out to the XXXX and filed a complaint ( XX/XX/2021 ). Chime claimed that they can not close my account without a photograph of the debit card, and all my personal info like address, etc. I sent them a photograph of the card. I requested ( 1 ) confirmation that the fraudulently opened account in my name is closed and ( 2 ) information on how the account was originally opened, since this entity used my social security number. I never received replies from Chime. I requested this information multiple times and have not heard back. I believe Chime is opening accounts without running credit checks because my credit has been 'frozen ' for a few years since the credit agencys were hacked. They should not have been able to open an account had a proper credit check been performed. I still don't have confirmation the account is closed, but it was HARDER to close the account than open it. Chime should be investigated thoroughly.
Product: Credit reporting or other personal consumer reports

Sunbit is providing inaccurate information on my credit report. They closed and written/ charged off an account on my report. I mailed them a letter requesting a 1099 C. Sunbit has ignored my request. I have never received the form and they continue to report as a charge off and still claiming I owe the debt. Thats a major violation of the FCRA. if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming you owe the debt has to be deleted promptly.
Product: Debt collection

I contacted Transworld Systems XXXX regarding an account ( XXXX ) that was assigned to them on XX/XX/year>, with a reported balance of {$180.00}. This bill is originally owed to XXXX XXXX Texas XXXX. I have requested multiple times for proper verification of this debt to confirm its legitimacy but has not been successful.
Product: Mortgage

I disputed an account with the credit bureaus and each time my disputes either came back as " verified '' or was absolutely ignored. I contacted the company in question directly 3 times and I am mailing them my fourth letter today via certified mail. I first contacted them at the address they have listed on my credit report XX/XX/2015. I heard nothing back. I then did a search online and sent a letter XX/XX/XXXX. I heard nothing back. I did another search and found an address claiming to be their headquarters XX/XX/XXXX via certified mail and it was signed for. I heard nothing back. I am now sending out my fourth letter today, XX/XX/2015 along with this complaint. By ignoring me, they are violating my rights under the FCRA and are showing willful neglect in taking care of this. I have been having trouble getting this erroneous for over a year now and will be taking XXXX Carrington Mtg to court. By law, a creditor has 30 days to respond to the dispute or they must remove the account. The same things goes for the credit bureaus. Each dispute has been ignored. Your company 's last response to my complaint stated that I have made too many disputes and changed my reason for the disputes. Let me be clear on something : if my disputes were investigated properly, I would not have had to go to such lengths to get this taken care of. By law, once I notify a credit bureau that I believe their investigation results are incorrect, they must conduct another investigation and obtain the actual documentation that " proves '' the veracity of an account. This was not done and XXXX concurs with this process that I am stating is imperative. Not only were my disputes with Carrington Mtg ignored, they do not have XXXX address to contact. I am not able to get anyone on the phone to verify any of this information and I have put over 50 hours and thousands of dollars into correcting this mistake. 

Here are the addresses that Carrington Mtg has : This XXXX is stated on their website as their " headquarters '' CARNGTN MTGXXXX XXXX XXXX XXXX XXXX XXXX & XXXX, CA XXXXThis XXXX is stated on my credit reportCARNGTN MTGXXXX XXXX XXXX CA XXXXThis XXXX is stated on their website under " contact us '' CARNGTN MTGPO BOX XXXX, Ca XXXX
Product: Debt collection

JUNK DEBT BUYER - IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS Midland Credit Management at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX has been sending me collection notices and they are reporting a collection account - Account # XXXX - in the amount of {$310.00} the collection has been reported as a balance, a collection account, and an open account. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. This is Aggravated Identity Theft. I have included several violations that you, Midland Credit Management, owe me in my Bill of Particulars.
Product: Credit card

I have been having issues with this home deport card for the last couple of months. There was problems paying my home depot billing since XX/XX/XXXX. Now I see all these extra fees and late fees that do not make sense. If my billing statement is due on XX/XX/XXXX, why was I charged a late fee on XX/XX/XXXX? 
Also my number is registered on the FTC list, so I should never be harassed from credit card company! 
As I look back on my statement balances since XX/XX/XXXX, it does not reflect accurately according to what was agreed when I first got the credit card.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. These were not authorized
Product: Credit reporting or other personal consumer reports

Im am coming to you because I was promised accuracy on my credit report based on federal law under 15-USC-1681 all unverified information Im announcing are reported incorrectly and Im am coming to you to have these inaccurate reports removed or fixed because the original credit reporting branches arent updating my credit reports correctly XXXX and Experian shows XXXX XXXX XXXX  XXXX amount but I have a negative mark which shouldnt be on my credit been showing for months XXXX XXXX  balance is XXXX still showing negative marks with Experian and XXXX this should also be removed this reporting is fraudulent XXXX XXXX balance of {$990.00} is in accurate and my information and the account was submitted to another party or buyer so thats states I another party brought the account with my information and using it to collect fraudulent debt Heres a list of the hard inquiries with XXXX and Experian fraudulent inquiries which I havent gave or submitted my signature in order for these 23 inquiries to be processed with these lenders besides XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under section 6 0 5 b I believe my information was exposed in the data breach and this fraudulent information must be removed
Product: Debt collection

On XX/XX/19 I received a phone call from a representative regarding a debt with XXXX. She asked my name, I then asked who was calling. She refused to identify herself by name, which by law, she must do regardless. In fact, that is the ONE thing a collections representative must do as well as notify the consumer that the call is being recorded. I am very well aware of collection call laws, considering my wife does XXXX XXXX and XXXX for a XXXX XXXX XXXX.

My wife placed an anonymous call to the company to request what type of  company this was and they refused to ID themselves as a collection agency. No specific information was requested regarding any account or other information, simply asking the company type which they failed to do. The representative then hung up on her for no reason - she was not raising her voice, threatening or cursing at the representative in anyway. She herself called on a recorded line and can provide this information to a lawyer. 

This company needs to be looked into regarding their collection practices. 
I am well aware without giving proper consumer verification they can not provide specific debt information, but when asked their representative name, their company name and the type of company they are, they need to provide that information. That information is not sensitive and does not violate any law. 

The debt in question is valid, that is not the issue. The issue is their choice of collection practices. It is borderline harassment - hanging up and refusing identification of themselves violates FDCPA laws. If I receive any further calls from this agency I will go to a lawyer.
Product: Checking or savings account

My wife and I have two Savings accounts with the Discover Bank. In the past two weeks, both of our accounts were locked without access with no reason provided. In several attempts between XX/XX/XXXX to XX/XX/XXXX to resolve the issue with Discover Bank, the customer service from phone calls claimed that such issues would be handled by their security team. However, in several attempts to call the number XXXX, each time we would be put on hold for more than 2 hours without being answered in their claimed " working hours '', in at least 4 attempts all together spanning the past two weeks. 

The direct impact of this sudden, un-documented account freezing is that our external transfer to another bank has been rejected, which has caused significant disturbance to our financial plans. Thereby, we request that CFPB to urge the Discover Bank to take immediate action in resolving the issues of our TWO accounts.
Product: Credit card or prepaid card

Due to Covid, our XX/XX/2020 flights booked through XXXX were canceled. After numerous calls and emails to the company we've yet to receive our refund of {$2900.00}. While the company has offered vouchers, we can not use them and have denied them. We have submitted two dispute requests with Chase Bank, both of which found the charges to be " valid ''. While the charges may have been valid at the time of booking, we never received the service and therefore they became invalid. Chase maintains that they conducted a thorough review of the charges. However, they provide no documentation, no dates, no contacts, no procedure for this alleged review. The concept is simple : We paid for a service, didn't receive it and want our money back. Chase Bank should be advocating for the consumer, not the vendor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of multiple unauthorized accounts appearing on my credit report. Due to a recent data breach, I am a victim of identity theft, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these entries removed. The following accounts
are fraudulent and were not opened by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Continue with the rest of the accounts, following the same format. ] Additionally, the following inquiries were made without my authorization. Please remove these as they were not initiated by me : XXXX XXXX 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

I have a personal loan through mariner finance.. formerly XXXX in mt.airy, nc XXXX They have been calling XXXX times a day and even calling my work place and disclosing information to my supervisor which I feel is wrong because that 's my personal business and they are telling everyone they talk to the situation of my loan. I know i owe it but I have hit a hard place and got a little behind and called 4 times today ( XX/XX/2016 ) and threatening to take legal action against me for the payment being past due.
Product: Payday loan, title loan, or personal loan

I was sent an email saying I was approved for a {$10000.00} loan, I get on the call and some man called XXXX XXXX says I only qualify for {$5000.00} loan. 
Then he asks me for my address verification and a payment verification i give him my bank info and he sends {$400.00} and tells me to go buy two XXXX XXXX Gift cards to send the money back. Ridiculous! I just blocked the number and he kept reaching out from many other numbers. Now I have an extra {$400.00} in my account & my bank is disputing the claim. I dont want that money nor need it.
Product: Student loan

In XX/XX/XXXX, while still completing my XXXX at The University of XXXX I applied to consolidate my student loans through the student loan office. 

I was very clear that I was in Education and hoped to eventually qualify for the Public Service Loan Forgiveness Program ( PLSF ) and was told that the consolidation was the only way I could do this. They told me that everything was setup and that I should be fine to do this, to make sure I made my payment on time and never missed for ten years. 

I completed my degree in XX/XX/XXXX and found a position at the XXXX XXXX XXXX in XX/XX/XXXX and began working full time. 

At some point, I received a notification that Navient had purchased my loan and I did not receive any information from them that my loan would not be able to be forgiven ( FFEL Loan ). 

I completed a the PLSF Employment Certification Program with my HR department at the University and submitted it to Navient on XX/XX/XXXX. 

I was informed that my loan was not a Direct Loan and not eligible for the PLSF. 

I am poised to apply for an income based repayment plan, but am reluctant to do so if this muddies the waters. 

Can you help me? I think that something changed and I do n't know where to begin to address this.
Product: Debt collection

An XXXXXXXX XXXX XXXX was opened XX/XX/year>. I disputed the account and was told not to worry about it. The account was sent to collection, because there was 1 payment given to the card. I explained that I did not open the account and I had never received a credit card. I was informed that the card was mailed to XXXX XXXX XXXX, XXXX, CA XXXX and that the email XXXX were used to open the account. I've never lived or been to XXXX, CA or have had the email stated before. The account currently owes {$4600.00}.
Product: Mortgage

pursuint to : XXXX concerning a pay back fee has been unjustly applied to my account # XXXX. 
The mortgage service began calling every month as a from of harrasement for the elased payment {$1000.00} fro i pay {$100.00} in addition my {$130000.00} which to {$1400.00}. However, it was the NewRez who avoided to inform me of my error to include two different amounts on my XXXX payment.
Product: Debt collection

Portfolio Recovery continues to contact me after repeated requests to cease and desist all communication. This is a out of 12 year old debt but they continue to harrass me on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Everything happened today on XX/XX/28 I applied for a credit card through XXXX for a XXXX XXXX XXXX XXXX. The application was forwarded to the First National bank of Omaha. This application was denied. 

However Upon calling said creditor, they said there was absolutely no way they would send a credit report to me. They insisted they can send a denial letter but will not send out a credit report. 

I informed them of their obligation under the fair credit reporting act that they must send a credit report upon denial and request. They simply declined to send this report. 

I informed them next that I would file this report to the CFPB and the Nebraska attorney general to which they basically laughed. 

I spoke with a XXXX who refused to also give out their last name. This started to sound very shady. 

Their phone number is XXXX and the extension I was given is XXXX for XXXX who wont give out their last name for one reason or another.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my experian credit report /open new credit card/loan, account type new, balance XXXX XXXX open date XX/XX/2019 XXXX XXXX XXXX XXXX I dont recognize this account.