23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It is reported that I was XXXX days late on a XXXX. On XX/XX/XXXX the company listed above charged me a fee of {$39.00}, prior to that day this account had a XXXX balance. 

On XX/XX/XXXX, I received a notice from a credit monitoring service that a delinquency was reported to my credit history by XXXX XXXX Bank. I signed into my account with XXXX XXXX Bank and observed that they charged me this {$39.00} fee which had a due date of XX/XX/XXXX. I immediately paid the balance. However, I never received a paper bill, an electronic bill, late notice, and/or a phone call that I had this balance with them. 

I contacted XXXX XXXX on XXXX XXXX and spoke with a representative and advised that I never received any notice of this bill. The representative advised that no bill was mailed or no electronic statement was sent. The representative advised a dispute would be put in to have the delinquency removed and advised it would take up to 14 days. 
On XXXX XXXX the delinquency was still showing so I followed up with XXXX XXXX Bank and spoke with a representative who advise that the dispute was approved and should show removed. 

On XXXX XXXX the delinquency was still showing, so I contacted XXXX XXXX Bank again about the matter and was transferred to a supervisor. The supervisor advised that the dispute was denied. After providing all the above details to the supervisor, she advised that no notification was made because the email on file was not valid. I provided her with my email of XXXX, and she advised that email was the one they had on file. Also in the past Ive received previously from XXXX XXXX Bank electronic statements. She also advised that someone attempted contacting me at XXXX ( my cellphone number ) on XX/XX/XXXX at XXXX XXXX time ( XXXX central time my time ). I check my phone records and did not have an incoming phone call at that time. The supervisor advised that she would put in another dispute form based on the above information. 

On XX/XX/XXXX the delinquency was still showing, I contacted XXXX XXXX Bank again. I was again transferred to a supervisor. The supervisor advised that the dispute was denied. I was instructed to mail a letter to dispute the matter. 

I am requesting an investigation into this matter and requesting that these delinquencies be removed from my credit history. Its apparent that an error occurred in regard to notify me of the bill, which I was capable of paying if aware of it, and I am paying the consequence of that error. I have never been late on any of my bills since being with XXXX XXXX Bank and XXXX willing to take this as far as necessary to have this removed because this is a very serious matter to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX a natural person and federally protected consumer, give EQUIFAX INC and the CFPB AUTHORIZATION to proceed with this complaint. I have disputed these accounts. EQUIFAX INC claims that these alleged accounts are reporting accurately. How can they be reporting accurately if three consumer reporting agencies are reporting that the US DEPARTMENT OF EDUCATION aka the federal government is making these reportings when the US DEPARTMENT OF EDUCATION is located in Washington, D.C. and contact number is XXXX? How can all 3 elaborate mechanisms known as consumer reporting agencies be reporting the same alleged account with the same alleged balance and the contact information is completely different from all 3 consumer agencies. Literally, 3 different contact numbers and located in 3 different states. How is that an accurate reporting? Who is the DEBT COLLECTOR making these reportings that are false and misleading and posing as the federal government? Who owns this alleged debt as only the original creditor with the original note has lawful rights to collect an alleged debt? Pursuant to 15 USC 1692c ( b ) it is unlawful to communicate with third parties without the consent of the consumer. So how did you get this inaccurate and unlawful information if I, the consumer, NEVER directly gave this alleged debt collector my consent to communicate about this alleged debt to third parties, consumer reporting agencies? If you have LAWFUL RIGHTS to report this inaccurate information please provide the law. If you continue to participate in this fraud by defaming my character by way of placing negative items on my consumer report to coerce payments from me then I will be forced to seek litigation.
Product: Mortgage

I got divorced in XXXX. Trying to get my name off of my second mortgage without forcing the ex husband to refinance because it would make it to where he could n't afford the house. I have been requesting a release of liability from CitiMortgage since XXXX XXXX, XXXX. I have spent over 20 hours on hold. Been transferred from XXXX department to another and been told conflicting information concerning the release and an assumption. According the federal XXXX XXXX XXXX XXXX XXXX of XXXX a refinance ca n't be forced on XXXX spouse due to a divorce. I believe CitiMortgage should let him assume full responsibility for the mortgage and provide a release of liability to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ).

My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

Immediate notification to all major credit bureaus ( XXXX, XXXX, TransUnion, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above.

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Debt collection

This company has not sent a validation or verification of this debt, which was disputed previously and is noted on my file.
Product: Checking or savings account

On XXXX XXXX XXXXXX/XX/XXXX, a Chase fraud XXXX called me and said that I had fraudulent activity from XXXX XXXX and they were sending me a new card I also received a notification from Chase asking me if I was talking to a representative when I then put yes. She also knew the last XXXX transactions I had I then received an email from an accurate Chase email saying that my damage replacement card was on its way. She then send that my new temporary pin would be XXXX. She said that it would be there XXXX. Well when I didnt show up on XXXX I called Chase Bank on XXXXy morning they said the card was sent to an address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I have never lived at and I also never changed my address. I have lived at the same residency for XXXX  years. Well that XXXX XXXX to find out that this person stole {$9000.00} for me. there was XXXX XXXX withdrawal forXXXX withdraw for XXXX consecutive ATM worth XXXX a total of {$9500.00} Chase only allows me to take out {$500.00} per day cash out of the ATM. They let these people take out {$9500.00} within an hour and Im not understanding the Cash part because they only allow me to take out {$500.00} a day. How were these people allowed to take out XXXX? Also, XXXX location was in XXXX XXXX and the other one was a downtown area. The XXXX withdrawals were downtown. Around the same time. I believe it was somebody that actually works for the bank because they were able to change my address. they had inside information. The there is a police report. XXXX out of XXXX XXXX XXXX which I will be glad to show you and I also have my proofs of the emails and the telephone call that it said it was from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is reporting late payments on accounts that should not be late.
Product: Credit card or prepaid card

First call was on XX/XX/XXXX to Key Bank via chat, I called to report that a charge was made to my checking account that I did not make - account was cancelled 2 years ago for {$72.00} to XXXX. Key bank employee said that she would take care of, Also, the rewards credit that I have charges are not going through, Again, employee said that she would take care of it. 

Checking charges and found that I was charged for the {$72.00} - employee did not take care of and rewards credit card charges are not going through, Bills are paid from this and bills are not being pain because this account has a block Called again on XX/XX/XXXX and asked why the employee did not fix the above problem. She said there was a convenient " block '' so there did not fix and nothing was done - payment was made incorrectly to XXXX and rewards charge card not fixed, Again, my called got block so nothing was done. 

Why is this happening? Key Bank is paying invalid bills and blocking bills that I authorize. Please note the majority of the time when I deal with Key Bank they are very helpful and pleasant. Last 2 chats ( XX/XX/XXXX and XX/XX/XXXX ) the employees are the opposite, they are lazy and deceitful.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit report ive noticed alot of invalid information that is hindering my credit reprort. I am intrested in disputing all incorrect information on my credit report with transunion. please update all changes to my file.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a nation data breach. After reviewing my credit reports I noticed some accoiunts I am not familiar with. I have ask the CRA 's for validation of debt, however the imformation has not been provided Due to my information being exposed, I have summited a FTC complaint reporting the information Iam not familiar with.

Please find attached a copy of My ID, The FTC complaint, a copy of the NPD report showing my information being exposed in a national data breach and a validation of debt Letter
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XX/XX/year> Cease and Desist Request for Debt Collection Communication To Whom It May Concern, I am writing to formally request that you cease all communications regarding the alleged debt associated with my name, which is being handled by your office. Please take this letter as my formal notice to stop all further contact with me in any form related to this debt.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request that you refrain from contacting me regarding this matter. As such, I request that all communications cease immediately. This includes, but is not limited to, telephone calls, letters, emails, or any other form of contact.

Please note that this is not an acknowledgment of the debt in question, nor does it imply consent to its validity. I am simply exercising my rights under the law to have no further contact regarding this matter.

If you continue to contact me in any way after the receipt of this letter, you may be in violation of the Fair Debt Collection Practices Act, and I will consider further legal action. 

Please confirm receipt of this letter in writing and ensure that you have updated your records to reflect this request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I closed my account with US Bank. And it was closed because on the ending statement they mailed, it's listed as closed on XX/XX/19. However, 10 days later, they re-opened it and refuse to close it now. I called customer service and they said because I had additional transactions with a positive balance of about {$600.00}, they had to do it. But they were keeping these funds and were not mailing me a check for the balance. I called up again and they said they would close it and mail me the funds. But they did not do this again. They have no right to open my account and keep the funds on a hold. It's industry custom to close the account and mail remaining balance to the customer. I'm being treated different and it's against their own policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act DPED XXXX Account # XXXX, Account # XXXX, DPT EDXXXX Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, XXXX  Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Account # 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I received an inaccurate bill from Fay Servicing, stating that I owe {$1000.00} for XX/XX/XXXX for {$370.00}, XX/XX/XXXX for {$370.00}, and then a late fee amount for {$330.00} which they had in a suspense account of some sort. They tell me this amount was from the previous servicer for 30 late payments. I never had 30 late payments with the previous servicer. Also on the back of this same bill it saysXX/XX/XXXX- LATE CHARGE WAIVED IN THE AMOUNT OF {$330.00}, but then they added it back onto the front of the bill, and are stating I now owe {$1000.00}. 

I want this erroneous amount of {$330.00} credited to my account, as I do not owe this amount. 

Please help me.
Product: Vehicle loan or lease

XXXX agreed to settle my loan for XXXX XXXX, they requested that I receive an appraisal to gauge the amount of what the vehicle is worth. I went to XXXX dealerships and received XXXX online appraisal offers, XXXX  additionally requested pictures of the interior and exterior of the vehicle. We agreed to settle account for XXXX, they sent me a settlement agreement which I signed and returned to them. I visit the dealership to sell the vehicle to satisfy the terms of the agreement and close the account, they report to the dealership that I owe XXXX. I called them, they only want me to sell the vehicle to a certain dealership which was not the agreement. The agreement is between me and them to satisfy the financial requirement to close the account, irrespective of if I sell the vehicle to a private buyer, a dealership or elect to keep the vehicle its my choice, theyve agreed to settle for the XXXX and they should honor this
Product: Mortgage

At closing there was a point added on to my mortgage for {$2000.00}. They said that I signed for it, and that they have proof that I signed for it. A point or any cost of a point was never discussed during the process of the loan. Throughout the loan process I had issues with the online disclosures that were sent to me, and I could not download the documents. At that time the mortgage representative said that he could handle the electronic signing of the disclosures if I provided him with my passwords, which I did, on 2 separate occasions. I had to redo my password the second time. When the CD was ready last week, I was again unable to access the document to sign or look at it.
Product: Credit reporting or other personal consumer reports

XXXX is withholding my credit file and report.its been 3 years and it shows XXXXive called them and sent in documents to verify my identity but still having issues..I am uncomfortable sending my personal info via mail to XXXX  especially considering the data breach that keeps happening.i uploaded it thru a secure portal and got an email confirming XXXX  received said documents.
Product: Credit card or prepaid card

I purchased    XXXX    phones directly from  XXXX  online, which uses Synchrony Bank for financing transactions. During the checkout process, I selected the option for 0 % financing from   Synchrony, and filled out the application.
When I did not receive the usual verification text on my cellphone, I followed exactly the instructions on the website and clicked submit.
The result was that a decision could not be made at that moment. Since I was aware of the missing verification text, I called both Synchrony   and  XXXX  directly, and the Synchrony phone staff who assisted me got approval for the purchase. A verification number was mailed instead of texted.     When I received the approved card account mailing, there was no charge for the phones. When I attempted to contact  XXXX  about my order, I was advised there was no order retained by the system!     Most seriously, the promised promotional rate of 0 % is not available for my order, which has harmed me financially. I asked that this problem be remedied repeatedly, and I was assured it would be. However nothing has been done to set things right, despite repeated efforts to have this issue resolved.     Business license # : Synchrony Bank did not provide!     official company name : Synchrony Bank  XXXX   XXXX  mailing address as given by Synchrony staff : Synchrony Bank  XXXX    XXXX   XXXX     XXXX    XXXX   XXXX   XXXX , OH  XXXX
Product: Checking or savings account

I responded to your email received on XXXX XXXX, XXXX, but am not sure if my response will result in further review. I thus am writing here as well. 

You seem to have closed my case ( No. XXXX ) before I had a chance to respond to the company. Only today did I learn that Wells Fargo has provided another evasive response, and on this basis I would ask you, please, to reopen this case.

My complaint explains that Wells Fargo incorrectly perceived a security concern about my address when I attempted to open a checking account. The bank blocked my account until XXXX XXXX ( actually XXXX XXXX ) because of its misperception and even lost my attempted deposit. It was not until XXXX XXXX ( to use the date which the bank prefers ) that the bank realized its mistake at my urging. The bank writes in its new response : " We determined the account hold was removed on XX/XX/XXXX, when we received a call from you and Loss Prevention team was able to verify you. This allowed you to make deposits to your account. We received your FIRST DEPOSIT ( emphasis added ) of {$300.00} on XX/XX/XXXX. '' The bank admits that subsequent deposits totaling {$1500.00} were made on XX/XX/XXXX. 

Since XX/XX/XXXX clearly was within 90 days of my first ( cognizable ) deposit on XXXX XXXX, I should have qualified for the {$300.00} promotion ( re : deposits of {$1000.00} or more made within 90 days of opening the account ). During the period when the account was blocked, but through no fault of my own, it was not open in any realistic sense. Since, as the bank admits, the first deposit that the bank was willing to accept was not made until XXXX XXXX, that date should count as the starting date of the account. 

In sum, the period from XXXX XXXX to XX/XX/XXXX is less than 90 days, making me eligible for the {$300.00} promotion. As I noted, by coming up with a false security issue, the bank appears to have manufactured an excuse to deny me the promotion, while having interest-free use of my deposits during the interim. If you ask the bank to state under oath how many other customers were denied the promotion under similar circumstances, I suspect that you will find a nationwide plot to raise capital by attracting customers under false pretenses. If the bank really wanted me as a customer and not just temporary use of my funds, it would have honored the promotion. 

The bank, I believe, not only should honor the promotion for me and for other similarly situated victims, but pay a penalty for its bad faith, whether the penalty goes to us for our trouble, to the U.S. Treasury, or to charity. ( Please delete my personal information if you publish this complaint. )