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

I am filing a formal complaint regarding unauthorized access to my XXXX  loan records, violating my rights under the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ). My educational records, including XXXX loan details, have been accessed and shared without my knowledge, consent, or notification, which is a direct violation of FERPA. 

Under FERPA, my educational records can not be disclosed without my explicit written permission, except under specific lawful exceptions, which do not apply in this case. Additionally, under FCRA 1681b, credit information can only be accessed by authorized parties with a permissible purpose. The unauthorized review and use of my XXXX loan data under the XXXX XXXX have resulted in potential misuse, unauthorized disclosures, and inaccuracies on my credit report. 

I demand a full investigation into who accessed my records, the purpose, and any breaches of FERPA and FCRA regulations. I also request immediate corrective action, including the removal of any improperly reported XXXX loan data. 

Please provide a written response detailing your findings and next steps.
Product: Mortgage

I sold my home and before they let me close the loan they told me I needed to pay my insurance. They requested XXXX dollars or they would not close loan. So I paid that after they had already taken the escrow. I called XX/XX/XXXX today to see if I would get the money refunded. They told me they did not know. It took me 20 minutes to get someone on the phone. It is very hard to reach someone on the phone. The only time it is easy to reach someone is when they are trying to get you to refinance.
Product: Vehicle loan or lease

I used XXXX XXXX XXXX XXXX to obtain a loan for a XXXX XXXX inXX/XX/XXXX. I started receiving calls from collections because they said I did not pay the correct amount. I have always paid on time and was confused. I went in and out of the bank trying to find what was wrong. Finally XXXX  XXXX a Banker for Wells Fargo took the time to investigate thoroughly and found that Wells Fargo Dealer Services has been charging me for insurance. Although on many occasions my XXXX XXXX Broker has faxed the proof of insurance they were still charging me. In order to end this matter against my judgement at the advice of the Banker I agreed to pay XXXX for the months that they say I owed. I received a phone call inXX/XX/XXXX that said I owed a late fee although I disagreed I paid extra fees on my XX/XX/XXXXpayment. OnXX/XX/XXXXI received a phone call from Wells Fargo Dealer Services telling me that the payment I made inXX/XX/XXXXwent toward my payment and not the fees. I explained that the teller told me that he collected the car note and fees, I have not control on how they are allocated. I was also told at this time that my payment is higher than normal because they have added insurance to my note. This is the third time this has happened and My XXXX XXXX Agent can corroborate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : TransUnion I XXXX XXXX XXXX would like to place a complaint against TransUnion Credit Reporting Agency. I have on my own attempted to have TransUnion report correctly the information about three bankruptcies being reported on my TransUnion credit report. Case number XXXX and case number XXXX of United States Bankruptcy Court . I have sent certified letters along with documents providing that these three bankruptcies were obtained illegally according to F.C.R.A. 
First, TransUnion stated that they obtained the information from another credit reporting agency ( XXXX ). 
I contacted XXXX via certified letter and enclosed I summited their reply which shows that the bankruptcies were reported in error and removed. I summited this along with court documents stating that federal courts do not supply any credit reporting with bankruptcy information. I also enclosed this document ; now I received a letter from TransUnion stating that they can not identify my ID. I find this very disturbing. If they can not identify my ID then how they can list bankruptcies on my report. I summit all listed documents to please help me and have TransUnion stop reporting illegally information on my report.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Amount : {$3500.00}. 

Account name : XXXX XXXX, XXXX Account number : XXXX Date opened : XX/XX/XXXX Amount : {$120.00} I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Capital One Bank offers overdraft protection. The line of credit account is listed along with the checking accounts. The full-service access online and the mobile app allow the transfer of funds between all accounts entrusted to Capital One. 

Over the last two payment cycles, the online ability to transfer money and pay off the line of credit has not been functioning. You can choose the " account from '' to begin the transfer process but the " account to '' does not include the line of credit account. 

I called and alerted Capital One. They informed me that Capital One is having issues with the feature, which allows customers to transfer money and pay down their line of credit. 

After I paid the balance over the phone, I registered a complaint with the Capital One customer service representative. I informed them that the inability for customers to complete the transaction online is suspect and that " it was convenient for Capital One to sit on this money and draw interest. '' The representative said that there was a way to pay by calling customer service. I responded by informing the customer service agent : 1. At no time was I informed that Capital One was having issues with the online feature, which allowed me to pay down my line of credit through the online transfer of funds option.

2. At no time was I informed via email or some other mechanisms while in the act of transferring funds online that the feature was not working and to call customer service. 

Capital One is not informing their customers about issues with the online transfer of funds and causing unsuspecting consumers to become delinquent. In addition, I feel I have the right to pay off the balance of my line of credit, and if there are technical issues with the ability to do so, Capital One should inform their customer immediately as to how to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I voluntarily closed my XXXX account but it has failed to report my account as Closed By Consumer to every CRA, especially XXXX. Moreover, I attach a XX/XX/2023 XXXX screenshot of an account information change notice stating that Between XXXX. XXXX, XXXX  and XX/XX/2023, the account number was changed on this account. My account number was not changed. Please investigate and correct or delete the inaccurate account number change and the continued false reporting my closed account as open.
Product: Mortgage

XX/XX/year> - I contacted Aimloan servicing through their online messaging to ask about an escrow waiver. 

XX/XX/year> - Aimloan responded via the online messaging saying they can waive escrow, but required a " cancellation fee equal to .25 % of the original loan amount '' saying it's the " same amount that closing costs were reduced by as an incentive to establish and maintain an escrow account ''. I responded asking them to move forward with the process to get more information as I couldn't find anywhere in my Truth In Lending Disclosure, HUD - Settlement Statement, Discount Verification form, Fee Details, or MN Notice of Right to Discontinue Escrow statement that I had paid any 'incentive fee ', 'discount ', or that I would be charged a 'cancellation fee '. 

XX/XX/year> - I received a letter in the mail from Aimloan with further instruction on where to send the cancellation fee to waive escrow. 

I have reviewed my documentation further and feel they were deceptive, unfair, and misleading on the above documentation for not clearly stating the terms of my escrow account and attempting to charge 'fees ' that were not disclosed in order to discontinue escrow. Based on everything I reviewed above, when I signed for my mortgage I was under the impression that it was my right to discontinue escrow in the state of XXXX  free of charge at any time.
Product: Credit reporting or other personal consumer reports

i am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hello I have been a citizen bank customer for three years, I enjoy most of my business and I can book with this company from a wide range of locations in my area or there Saturday hours are there reason why they had kept my business this far. But on Saturday XX/XX/2018 I make to wireless Deposits from my supplemental income or XXXX in the amount XXXX with my direct deposit from my employer after a few withdrawals I had XXXX I deposit the money into my account before XXXX  because I had problems previous about deposits not going into my account because they update there systems. I made sure my deposit was complete and was added to my account by logging in to the mobile app after checking my balance I rest assure that all my funds were in my account. But the next morning on Saturday XX/XX/XXXXmy account was about hundred dollars off I thought I missed Calculated What are spend. And we just keep an eye on my account I even transferred any money that was for bills and select second checking account so I knew what I was spending on Monday I seen all of my withdrawals were Set up and nothing was pending or on hold so I transfer my money back into my count as well as made a {$360.00} deposit cash the ATM but again the next morning my account Was lower than expected but the posit that I had made less than 24 hours  ago had a balance of {$100.00} lower than yesterday nothing was pending or should have been taken out of my account I waited for the banks are open I want to live in citizen bank on XXXX and XXXX XXXX XXXX I was humiliated made to look like a liar or a fool They tried to convince me that I spit something or something was still pending and was talking out of my account I try to explain to him that I had set the mobile app as well as my balance and what was in my account did not reflect the deposit that I made yesterday I asked for answers no one could give me any. I can home call the XXXX number and went over the Conversation once again the Agent could not explain to me where my money went I even spoke to a manager I try to explain that the mobile app it will show what has been withdrawn And the balance will reflect it but theres no purchases Or anything on hold Infacted I only made a mobile deposit in the last 24 hours they told me the could see any withdrawals so the only possible answer is the app was wrong about my balance
Product: Debt collection

Phone Harassment at work robo calls for  XXXX  energy debt that was paid in full  XXXX / XXXX /  XXXX  .     I provided proof and then they sent to collections throug h Alliance One Inc.
Product: Credit card or prepaid card

XX/XX/2018 several accounts were closed due to identity theft today I discovered they have reopened without any notice or permission Im not sure what Synchrony Bank is trying to achieve with this type of underhanded practice but its not appropriate business practices
Product: Student loan

I have a previously paid in full student loan for my  XXXX .     Loans for my  XXXX   XXXX  were arranged by university of  XXXX  and managed by   Navient.
Navient   : difficulty with payment application to multiple accounts.     Was directed to forbearance and returned forms to  Navient  - they did n't apply forbearance and hurt my credit.     Attempted to lower payments and was n't allowed.     Account turned to  XXXX  :  XXXX  applied high pressure tactics including calls to relatives and friends after I requested forms for payment arrangements.      XXXX  did n't send payment agreement documents as agreed. Tried to pressure me to pay them without signed agreement in writing.
Product: Credit card

On XXXX XXXX, 2016, I contacted a company by the name of XXXX on XXXX. This was an emergency clean up, for a couple who 's elderly parent was coming from XXXX. This was a Thursday, and I needed the service for the next day, Friday, XXXX XXXX, 2016 by XXXX. There was only a booking page and I booked the service. When I received the confirmation, it was scheduled for the next Friday, XXXX XXXX, 2016. I immediately emailed the company and told them this needed to be cancelled because I needed the service the next day. I have all of the emails. When they finally contacted me, the Customer Support, via email, said they would contact the XXXX company to try to accomodate the request. After going back and forth, they could not clean the home on the day needed. Not at one time during the emails with customer support did they tell me, in any way, that I could not get a refund. While waiting, I decided to chat with their on-line chat specialist. She is the one that said I could not get a refund, just a credit. At this time, I contacted my credit card company, Capital One ( XXXX ) .They issued the {$90.00} credit to my account while they contacted the merchant. A few weeks later, the merchant sent them some information, and they re-charged my account the {$90.00}. I was then told to send them all the info. I had ( which were emails ), there was never a receipt or terms and conditions, just an email confirmation. I sent these items on XXXX XXXX, 2016. The next day, the Capital One representatives told me that the merchant sent them terms and conditions and that the charge is non-refundable. This is not right. They never provided me with these terms and conditions and I have never used their service and definitely, I will never use their service. They are forcing me to pay for a service I never used and do n't want with vague, policies that they do not disclose upfront. Obviously, Capital One can not handle the situation. However, this XXXX company has n't provided any service and I am not paying for a service. I have paid all of my capital one balance except {$90.00} so that when this is resolved I can close this card. Customers should not be treated this way with a company trying to force someone to use their service.
Product: Debt collection

See attatched USAA COLLECTION LETTER OF XX/XX/2020 ACCOUNT XXXX. I DID NOT OPEN THIS ACCOUNT.
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/XXXX at approximately XXXX XXXX  I purchased a firearm, a XXXX XXXX XXXX XXXX XXXX, from XXXX, a website recommended to me by the ATF when I became an FFL. Ive used the website on many occasions, and have never had an issue. I always check the seller 's rating and that they are verified ( have a green check ) by XXXX. I received a " Congratulations!! '' email confirmation from XXXX that the order was complete, I received a second email telling me to send a copy of my FFL to the seller, which I did immediately. The seller reached out to me via text at XXXX XXXX  from phone number XXXX to finalize the order, and provided an email address : XXXX to send a Zelle payment for a total of {$1300.00} ( {$1200.00} for the XXXX, {$90.00} for sales tax and {$40.00} for shipping ). I had never sent money using Zelle before, but because it was offered on XXXX 's website, I felt a level of safety, so I set up Zelle with XXXX  XXXX XXXX and began the process. I was still a little leery, but my concerns were assuaged when prior to pressing submit a notice appeared that the transaction would be held for 24 hours for security purposes, this alleviated my concern, so I processed the payment ( I took a screenshot just in case there was an issue ).

Then the next morning on Monday XX/XX/XXXX, I was contacted via email by XXXX that the sellers account had been compromised and that they were canceling the transaction and I shouldnt send any money. I contacted Bank XXXX XXXX immediately, who, after an hour and four transfers to four different departments, started with the first person telling me the payment hadn't been sent and there was still time to cancel, to the final person telling me that they can't stop Zelle from sending the money, all they can do is submit a request, even though the payment still showed as Processing ( screenshot attached ). 

I've attempted to file a claim with Zelle, but they require a Payment ID that I am having great difficulty finding, so as of yet I've not been able to speak with anyone at Zelle I can provide screenshots of all correspondences
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a Auto Loan opened by XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A Credit Card opened by XXXX XXXX XXXX XXXX on XXXX under the account number XXXX, A Personal Loan opened by XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A Loan ( Mobile Phone ) Opened by XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a Personal Loan opened by XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

my credit was ran by auto dealership on XX/XX/XXXX without my consent. consent was provided on XX/XX/XXXX to run that day but no verbal consent nor written consent was provided on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I contacted XXXX about a false report of XXXX XXXX. I was told that my XXXX XXXX was paid off in full. I was apart of the XXXX XXXX XXXX lawsuit against XXXXXXXX XXXX  who was found to have made false XXXX XXXX  information to the federal government. The agent sent me the receipt and said they reported it to the credit bureau. Next thing I know department of defense takes over for XXXX and reports I owed them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that these inquiries are reported. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

There is an address in which I have never lived at. The address is  XXXX   XXXX   XXXX   XXXX  CA  XXXX . I do n't know who listed that address in my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 1XXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

XX/XX/XXXX, I submitted a letter to CitiMortgage asking them for any and all transactions from XXXX to now. CitiMortage sent me info on the monies received .When I had asked for any and all transactions.In XX/XX/XXXX there was a letter sent again. There response was the information requested is substantially the same as information previously requested. They refuse to give me access to the information I as for.