23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Complainant : Servicer Involved : Edfinancial Services XXXX XXXX XXXX XXXX, TN XXXX Previous Servicers : XXXX XXXX XXXX Loan Type : Three ( 3 ) Direct Subsidized Loans Complaint Summary : I am filing this complaint to formally dispute the unauthorized disclosure of my personal and financial information. Also the legitimacy of my student loan obligations transferred from XXXX to Edfinancial. Due to serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act, which my loan servicer, Edfinancial, failed to safeguard. 

On XX/XX/XXXX, I became aware of a major breach involving My personal educational and financial information through XXXX, XXXX, XXXX, and XXXX XXXX. Despite the public exposure of this security breach accessed by unauthorized third parties, including XXXX XXXX, Co-Head of DOGE ( department of government efficiency ) and/or DOGE Associates . This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law., I received no direct communication from Edfinancial or my previous servicers ( XXXX XXXX and XXXX ) regarding the compromise of my sensitive data. 

Details of the Issue : 1. Unauthorized Disclosure of Personal & Financial Information : My student loan records, including personally identifiable information ( PII ), were compromised without my authorization.

Under FERPA, my student loan data is protected, and Edfinancial has a legal responsibility to ensure its confidentiality. 
The breach has exposed me to the risks of identity theft, financial fraud, and other potential damages. 
2. Failure to Notify Borrowers & Address the Breach : Despite the severity of this data breach, Edfinancial has failed to notify me or take corrective action to protect my rights as a borrower.

1. FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally ident
ifiable information.

2. Violation of the Privacy Act of 1974 : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals ' data managed by federal agencies and contractors.

3. Breach of the Higher Education Act : The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan to Edfinancial and subsequent data breaches demonstrate clear negligence.

4. Breach of Contract and Data Security Obligations : By failing to protect my sensitive information, both XXXX and Edfinancial breached contractual terms and obligations, rendering these debts unenforceable. 
I filed a formal dispute with Edfinancial under Case Number XXXX, requesting loan discharge due to the violation of my privacy rights.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under trafficking as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate deletion of an inaccurate account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified an account entry that is inaccurately reported and must be removed promptly to avoid legal repercussions. 

The inaccurate account entry is as follows : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these accounts have held my life back for 2 years now. I am not being approved for anything by lenders, I can not expand my finances or even find a nice place to live all while being a single parent. The effects these accounts are having on my life are becoming more, and more detrimental.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I was a XXXX customer for a couple months and i agreed on an amount on a 2 year contract and that was XXXX dollars a month everytime i got my bill it was higher than the agreed on amount so i just kept paying my XXXX dollars and then late fees happened so i canceled the contract because they broke the contract agreement and submitted my account to multiple debt collectors and now its with XXXX that was already removed from my credit report.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am trying to buy a house and I have found out : In either XXXX or XXXX there was a lien put on my property. There was a release on the lien but was denied from the county because it was not from the original lien holder. Huntington Bank do not follow up on it and the lien was left as is. Even after multiple refinances, this lien still was not caught. 
Then in XXXX because of a divorce I tried refinancing to get the home in my name only but ex would not sign quit claim deed. In XXXX of XXXX ex put a judgement lien on the property that was still in both of our names. Then I received the quit claim deed and started the refinance all over again. XXXX from XXXX XXXX ( Huntington ) to save himself some time used the old paperwork and did not catch the judgement lien or the other lien at that time either and refinanced. Now these liens are showing up and need to be cleared which is going to make it touchy to get the financing since l live on SSI. I feel the banks should be responsible for this not me as the first refinance was in XXXX and should have covered that first and I refinanced again after the judgement lien was placed on there. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised, this is NOT a duplicate complaint. Since first reporting these violations to CFPB by TRANSUNION, TRANSUNION has reported new accounts in violation in the exact same manner of other accounts previously reported, however, CFPB has not responded nor has held any accountability for TRANSUNION for these violations. The following violations include : denying the consumer access to her consumer report and annual consumer report since reporting these violations back in XXXX and XXXX, as well as selling the consumers XXXX account information with full disclosures of the consumers NONPUBLIC PRIVATE INFORMATION such as : full consumer account numbers, balances, history, XXXX and more. I have together with counsel found over XXXX consumer reporting violations being reported by Transunion. Please be advised that the following notice has been obtain by legal counsel and will be used in accord with the severity of the offenses committed against the consumer and permitted by the bureau.
Product: Debt collection

i am writing this complaint on Westlake financial services! This company has continued to harass me and threaten me about an alledge debt i owe, they have called me before 8 antimeridian and they have called me post meridian which is a violation of federal law 15 usc 1692a ( 1 ) and violating my consumer rights, i sent the CFO Chief financial officer XXXX XXXX a negotiable instrument for payoff of my auto which he accepted, the company has lost two payments that i sent to them and they stated i would have to send another payment because of their negligence! i talked to a lady today XX/XX/2022 which she threaten me and informed me that if i did not send an extra payment in today that they would repo ( seize ) my automobile, which is abusive language and a violation of 15 USC federal law 1692 ( e ) false and misleading representations and also violation of federal law 15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the SEIZURE ( repo ) is a violation of this federal law! this company has disregarded federal law and has violated the entire 1692 ( E ) and the Fair, Debt, Collections, Practices, Act and violated my God given consumer rights and causing me XXXX XXXX and damages. 
Acct # XXXX Thank you XXXX XXXX
Product: Checking or savings account

There was unusual purchase in XXXX XXXX that I didn't make that kept showing up on my account I called like XXXX times an it continued to happened still hasn't been solved just refunds but my account somehow is still being charged ....
Product: Credit reporting or other personal consumer reports

submitted a dispute to the XXXX XXXX where the errors appeared. I did this [ online/by mail/by phone ], ensuring I included all relevant information and supporting evidence. 
In my dispute, I clearly identified each incorrect item and explained why it was wrong. I also referenced XXXX XXXX. 
XXXX XXXX to emphasize the importance of protecting my personal information and ensuring accuracy. I also have proof from the court of XXXX XXXX that they do not provide credit reporting agencies verification information on consumer reports
Product: Checking or savings account

I am writing to file a complaint against Chime for the wrongful closure of my account and for denying me access to my funds. My account was closed due to loads, a term that Chime has failed to explain, despite multiple conversations with their customer support team. During these conversations, I was never provided a clear definition of loads or any explanation for why this term was used to justify closing my account. The account was closed on XX/XX/XXXX. 


As a result, I have been left with {$1900.00} in my secured credit builder account and only {$12.00} in my checking account. Chime informed me that I had violated the deposit agreement policy, but I am not aware of any such violation. All of my deposits have come from three fully verified sources : XXXX. XXXX, which is my direct deposit from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 

XXXX. XXXX XXXX, where my account is linked, and I have withdrawn legal funds. 

XXXX. XXXX, a fully verified sports betting account, from which I can provide records of every withdrawal.

Despite the fact that all of my deposits are legitimate and verified, I have been told that I will never be able to access my funds. This has caused significant inconvenience, as I have been unable to pay critical bills, including rent, car insurance, and phone bills.

I request that Chime provide a clear explanation of the reason for closing my account and that they promptly return my funds. I would also appreciate clarification regarding the loads and the alleged violation of the deposit agreement policy.

Supporting Documents : Copies of deposit records from XXXX, XXXX XXXX, and XXXX. 

Any correspondence from Chime regarding the closure of my account.

Thank you for your time and attention to this matter. I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$66.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXS ) XXXX Balance : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting. I previously sent a letter addressed to the Credit Bureaus with the same message, requesting the removal of the unauthorized inquiries. I also previously requested proofof verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a notice from Synchrony Bank XXXX XXXX, Florida XXXX XXXX XXXX XXXX. The letter to my address indicated that a person by the name of XXXX XXXX was using my address to apply for a PayPal  Credit Account. No one by that name has ever lived at my address. It has only had two owners, myself, and the person we bought it from. I suspect that someone is attempting to use my address and other details to fraudulently obtain credit accounts. I reported the incident to the United States Postal Inspector, local XXXX, and Credit monitoring agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit Score rating was XXXX until XX/XX/XXXX, for no reason at all, on XX/XX/XXXX Experian dropped it to XXXX ( XXXX rating dropped ) here, I wnt to page, I checked, I dont have any wrong mistakes and I pay attention to my credit 1 day later, in XXXX Experian took it up XXXX points and made XXXX I would like to know why my score rating was exasmined and XXXX Score drops that Experian had suddenly made were corrected if not corrected I see error here I ask them the reason in their writings that come to me, and they sent the list below that will cause negativity. 
There is no negativity from any of these written in my tiles they can't tell me that your score is low for water or this reason, it was a big mistake I follow Experian, of which I am a member, every day to fix my own tile, I have never made a mistake. 
Please, I want them to do research for my lost Score and say if it's really not a bug, for the following reason, it's my fault, they have a XXXX. I want their fixes to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Account Number : XXXX, Open Date XX/XX/XXXX, Balance : {$24000.00} ), XXXX XXXX XXXX ( Account Number : XXXX, Open Date XX/XX/XXXX, Highest Balance : {$37000.00} ), XXXX XXXX  XXXX Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$290.00} ), XXXX XXXX ( Account XXXX XXXX, Open Date XX/XX/XXXX, Balance : {$210.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the to delete the negative payment status on this account. 15 USC 1681s-2 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. XXXX XXXX is deleted off my XXXX but still reporting twice with a different company on transunion and experian. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. Account XXXX XXXX XXXX ( XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. Equifax and XXXX are not maintaining reasonable procedures. 

Equifax is obligated by the FCRA to report accurate accounting. Consumer had advised all the inquiries and said derogatory reporting was fraud.

But yet, after getting my consumer report today I have notice 23 inquires when just in XXXX, XXXX I only had 1. 

see attachment! 

If Equifax does not have documentation to show these were in fact authorized it must be removed asap. 

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax
Product: Debt collection

I have a collection account that popped in my credit report in the Covid 19 areas collection companies should seize operations during this period. 
I called then to get a verification of debt but havent received it yet and never was sent a collection letter to collect this debt. 
I want this removed immediately from the credit bureau.