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

RE : ACCOUNT # XXXX Subject : Formal Complaint Regarding Violation of Consumer Rights and FERPA Rights Dear XXXX Customer Service, I am writing to formally lodge a complaint against XXXX for the apparent violation of my consumer rights and the Family Educational Rights and Privacy Act ( FERPA ). I have discovered that XXXX has reported my student loan information without obtaining my explicit permission, thereby breaching both legal and ethical boundaries. 

As a consumer, I have the right to privacy and control over my personal and financial information. FERPA, a federal law, further protects my educational records from unauthorized disclosure. Despite these protections, I have been subjected to an infringement of my rights, as XXXX has reported my student loan information without my explicit consent. 

This violation is not only concerning but also unacceptable. I want to emphasize that by disregarding the laws safeguarding my rights, XXXX has opened itself to legal repercussions. As a result, I want to make it explicitly clear that I reserve the right to pursue legal action against XXXX for this violation. The unauthorized reporting of my student loan information not only breaches my rights but also potentially harms my financial standing and credibility. 

In light of the aforementioned violations, I demand the following actions : Immediate removal of any and all references to my student loan information from my credit report. This action should be carried out promptly to mitigate any further damage to my creditworthiness. 

A written confirmation, sent to my address mentioned above, acknowledging the removal of the aforementioned information from my credit report and any other databases where it might have been shared or stored. 

An official apology from XXXX acknowledging the oversight and detailing the measures taken to ensure that such violations do not occur in the future. 

I expect a timely response to this complaint and action on the aforementioned demands within " 14 days '' from the receipt of this letter. Failure to address this issue promptly and adequately will leave me with no option but to seek legal recourse. 

I trust that you will treat this matter with the seriousness it warrants and take immediate corrective action. I look forward to your prompt attention to this pressing concern. 

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

Bridgecrest falsified that I had a late payment.
Product: Money transfer, virtual currency, or money service

I sent money via Venmo to a close personal friend on XX/XX/2023. There were 2 separate transactions : {$130.00} and {$520.00}. Shortly after sending, Venmo suspended my account without reason. I'm being told by Venmo that I have wait 5-7 business days to hear back about whether my account will be reinstated. Both amounts have hit my bank account but Venmo is holding the money without reason.
Product: Mortgage

In late XXXX, I discovered by myself that the XXXX payment for my loan had not been paid. I was never contacted about non-payment throughout XXXX, I had no idea until I had checked my bank balance. The company seem to make no effort to contact me about the missed payment. 

Later, I contacted their representative as soon as I found out. I was told on the phone so long as I submitted a payment with the amount due, and the amount that was coming due that I would receive no penalty or have it show up on my Credit Report. 

Come a few months later when looking to purchase a new home and I was reported for a non-payment. I contacted thier help center and they were not able to fix the issue. So I took their advice and messaged them on their website to get the same response. 

I'm not looking for a lot, I am looking to get my credit for non-payment resolved as was told they would do.
Product: Credit card

The company Grid offers a debit card that acts as a credit line as well. For the last 6 months I have been unable to use the card due to the fact that they are having issues with their payment method processor. During this time they have continue to charge me a XXXX dollar subscription fee and state that I am not allowed a refund on those funds until loan payments are made, Ive asked if those funds can be used towards the loan balance and close out the account so I can stop these charges as I am not allowed to adjust the bank that they charge till the loan is also paid back. They are making it difficult for me to get those funds back or to close the account, I shouldnt be charged monthly for a service that I can not use this is unfair and deceptive
Product: Credit card

I recently applied for the US Bank XXXX XXXX Visa, which advertised a XXXX night free with any award stay while I had the card, in addition to paying a {$75.00} fee. I was recently notified that the benefit was being removed without an in-kind benefit being added. I spoke with customer service and was offered XXXX points, which was worth maybe {$12.00}. After indicating that this was unsatisfactory I filed a complaint last week. I was called regarding this, and the gentleman I spoke with said I could get either XXXX points ( ~ {$32.00} ), or cancel the account and get a refund of the annual fee. However, even refunding the annual fee does not account for the loss I have taken to my credit score in applying for this card, which includes both a hard credit pull and a lowering of my average account age, both of which can affect the interest rates I receive in the long-term. I was aware of this when I applied for the card, but at the time, it was worth it for the benefit of the XXXX night free. Refunding the annual fee therefore does not adequately reimburse me for all the financial cost I took on applying for the card.
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$400.00} XXXX/FSTR XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX HM XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was never late on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I obtained an FHA home loan from XXXX XXXX in XXXX loan # XXXX. Recently, the tax value was assessed to be {$320000.00}, the value due on the home is {$250000.00} which would indicate that more than 20 % of the home loan has been paid off. I called bank of America XX/XX/XXXX and spoke with a home loan specialist to ask if my PMI could be removed. She indicated that she thought that it could be removed, and that she was able to send a request to remove the PMI which was a good sign. She stated that I would receive a letter with the decision to remove PMI within 10 days. After 10 days had passed, with no letter provided, I called and spoke to another home loan specialist who stated that the loans PMI could never be removed for the life of the loan. The loan officer never informed me of this, instead he stated that at 20 % of the loan paid, PMI could be removed, as I would be able to call and request this. I asked to speak with a manager for further explanation, however after speaking with XXXX for over 1 hour, I was given no explanation because XXXX stated that he did not understand the process and could only read me the letter stating that the PMI could not be removed. I waited for over 1 hour to speak with a manager, however no manager was available. My complaints are : 1. I was told by my loan officer and the first home loan specialist that the PMI could be removed. Had I been told by my loan officer that this could not happen, for the life of the loan, I would not have selected this loan. 2. In politely and patiently contacting Bank of America repeatedly for assistance in understanding the PMI, I was told that no one was available to explain the loan.
Product: Debt collection

Ftc case # XXXX, XXXX/XXXX/2008 states that reporting of XXXX XXXX ( XXXX ) by third party collections is prohibited. I have sent this documentation and a request for removal per this ruling to Midland Credit Management. They are refusing to remove this trade line after receiving sufficient information supporting the request for removal.
Product: Credit card or prepaid card

Please see attached, I was charged a late fee, credit limit cut in half, and found to have been late on a payment I made early.
Product: Prepaid card

I called Direct Express and reported fraudulent transactions made on my card on the day it occurred. I asked if I could fill out or send my information via email. I was told by the first customer service representative that I could only fill out the form she was sending to me in the mail. After a week went by and I had not received the dispute form or my new card I called Direct Express to follow up on my dispute status. I then spoke to another person who did tell me I could send the information by email so I did. My concern was the delay in resolving my claim since they told me I had to get my dispute back to them by XX/XX/year>. This initial misinformation added days to my claim being investigated and getting my funds returned back to me. I live in California and the transactions were made in XXXX MI. The activity on my card verified there is no way I could have made these transactions that totalled over {$800.00}. The provisional credit I was told would not be issued until my dispute would be reviewed on XX/XX/XXXX and my account not credited until several days or weeks afterwards. 

I had my physical card with me at the time of the transaction and had not given my card info to anyone. My overall concern is the speed of returning my funds to me as I was left without resources to make my financial obligations. Direct Express does not have a direct line to file a dispute and a consumer must wait on the phone to get help and often the phone disconnects in the process of transferring to the card dispute area. 

I am on a fixed income and this length in getting a resolution impacts how I am able to live.
Product: Credit card or prepaid card

I filed a dispute with Capital One for a charge on XXXX XXXX,2017. I gave XXXX XXXX my car for a 75,000 mile check-up and oil change. I authorized no further work. The attached letter will describe what happened. 
I filed a dispute and was treated very badly throughout the entire dispute process. In hindsight, I can see that they never intended to refund my money. I talked to multiple supervisors, I was constantly sending them all the documents that they required. It was very time-consuming and frustrating to deal with them. I was told exactly what a second opinion letter had to say and had the merchant write what they told me. Then I was told that the second opinion letter was not sufficient. They even told me that they would give me {$100.00} to pay someone for a second opinion letter. I got the letter without asking for the money. They would not talk to the merchants who needed to fix the car after XXXX. XXXX XXXX XXXX agreed to speak with them on the phone. They would not accept this. they said it had to be a written letter from a car merchant who did not even know anything about the case! 
.I asked that all the calls be pulled to prove that I had given them what they asked for. They told me that they would do this and call me back on a specific day. They did not call. A week later I called again. I was told again I would be called. Then I started getting calls that would ring once and they would hang up. Their policy is to call only once per day. If nobody answers they will not call until the next day. This went on for 3 days. When I finally was able to speak with a supervisor again they told me that they did pull the calls. I think they did not. If they had it would prove that I gave them what the representative said to give them. Also, I never got the call that I was promised. 
Throughout this entire long process I was made to jump through hoops and was not treated as a valued customer. This was the worst treatment I had ever received from a credit card company. I have lived a long time and owned many credit cards and have always been treated fairly. The experience with this dispute was appallingly bad and they did not refund me the money which I believe I clearly documented I should have been refunded. Several supervisors even agreed with me on telephone calls that what I was telling them made perfect sense to them and that by reading my documents it seems that XXXX Auto did cause damage to my car that I later had to pay for.
Product: Credit card

I been with Self Lender since XX/XX/XXXX XXXX  and XXXX of this year would have been 2 years. I referred my roommate. He asked could he make payments off my card if he give me the money. I said yes. 4 months before the end of my 2 year loan. Self close my account, disabled my login so I cant log in to make a payment. When I talk to them I get the run around. Now today they ask for documents of my payment methods and like I told them some banks wouldnt give me debit cards bc I had no credit so therefore I had to use some one else debit card. But none of my payment came back as fraud or anything illlegal. So when I asked the documents I need to send. They have no number to that department and I have to email them. I have not got a response yet. Instead of self helping me its hurting me. Im going to have missed payment on credit and possibly go into collections if they dont give me payment information.
Product: Checking or savings account

There were a series of fraudulent charges on my savings account dating from XXXX XXXX. My account was also locked by USAA and I was unable to log in. I called many times over the past week and a half and as of today I am being told that I am liable for the negative {$10000.00}. Before the account was overdrawn, I had a balance of {$4500.00} that I am also missing. In total, I am missing {$15000.00}. USAA has decided to stop doing business with me. Not only do I not have any money now but I also don't have car insurance anymore because It was through USAA as well. USAA continued to try and make me pay back an overdrawn account while I was still trying to dispute the charges. They were persistent in telling me that I am liable and that it is clearly not fraud. As a service member, I legally can not be in debt or have bad credit. This was 100 % fraud. 

The red has marks in the image attached below are all of the fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account numberXXXX has violated my rights. Or list of inquiries XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A collection showed up on my credit report and I contacted the collection company and they have no signature and the address is not correct and I have no idea what it is. The collection company said they would not remove it without me filling identity theft.
Product: Debt collection

I have been in debt with Wells Fargo for over a year and my debt only increases. I have asked them to arrange monthly payments since I can no longer afford the minimum payments. They started calling my parents personal cell phones as well as my parents house phone. I never authorized any of my information to be shared. My debt has increased over the past eight months even though I have not used it once in those eight months. I went from oweing {$16000.00} to about {$2700.00}.
Product: Mortgage

We opened our first mortgage on a house with the loan servicing company Amerifirst. The loan amount was approx. {$170000.00} and we closed on the house XX/XX/2019. XX/XX/XXXX, we received a letter from XXXX XXXX notifying us that our mortgage loan had been sold to XXXX. At no point had we been notified by Amerifirst prior to the projected sale, and we have yet to date been contacted by Amerifirst to notify us of the completed sale. We confirmed the sale by calling Amerifirst directly and having them report to the status of the loan. We understand this is a standard process in loan servicing, but I was under the impression that a loan servicing company is required to notify the home owner of a mortgage loan sale no less than 15 days before the sale. We did not receive such a notification.
Product: Credit card or prepaid card

XX/XX/XXXX Bank of America stated they would provide my XXXX XXXX  business with a secured credit card attached to a cd account that would report to XXXXXXXX XXXX  XXXX. They informed me that at the XXXX month my account would be eligible for a non secured credit card but I would need to call him. XX/XX/XXXX, I called in and was told that it would need to be approved first before I can get the credit card. I advised them that I was mislead and demanded my money back. They refused stating because it was attached to the cd account they couldnt do that until maturity which was now 12 months and not the 7 months as promised. I was furious but decided to wait the 12 months. I received a letter in the mail fro. Bank of America XX/XX/XXXX stating my maturity date for my CD was coming up and if I did not act they would automatically enroll me into another 12 month plan. I contacted Bank of America and explained that I wanted to close my cd since it was now at maturity. I was told that I couldnt close it until I paid the balance of. I paid the balance off and called back to close the account they then told me that I couldnt close my XXXX account because its a non profit and I am not listed on the account. This was not possible because when I opened the account I signed all the necessary documents. I signed the letter anyway. Now when I call to close the account they tell me they need all the officers to sign a statement when there are no other officers in the business. Ive demanded they close my account and give me my money back but back of America refuses to close my account or refund my money.
Product: Mortgage

Complainant is the seller of a house under a VA loan and is attempting to sell the house to a buyer via assumption of the existing VA loan ; the buyer is an eligible XXXX XXXX member of the U.S. armed forces. Complainant has repeatedly contacted lender for updated estimates of assumption approval timeline, but lender refuses to respond to complainant despite assumption review time exceeding 105 days as of the date of this complaint. Excessive assumption review time is causing financial detriment to buyer and preventing seller from obtaining new VA loan, and refusal of lender to communicate with seller is causing repeated contract revisions for sale of home with associated financial uncertainty. Complainant and buyer have exemplary credit scores with no known factors causing or suggesting ineligibility for transfer of a VA loan. 

Complainant initially submitted a request for VA loan transfer to lender on XX/XX/year>, completed submission of all requested information to lender by XX/XX/year>, and received confirmation that all required documents were received on XX/XX/year> from lender " XXXX XXXX '' representative. The buyer contacted lender on or around XX/XX/year> to discuss particulars of loan assumption, but no further indication of progress toward approval was given. Complainant contacted the lender via phone on XX/XX/year> to request an update on the status of the loan review and was told that the loan XXXX was still reviewing information, and that the average approval timeline was 90 days from the date of request. Complainant again contacted the lender via phone on XX/XX/year> to request an update on the status of the loan review and was told that a loan XXXX had contacted the buyer on or around XX/XX/year> ( THIS IS NOT A FACTUAL STATEMENT ), and complainant was again told that the loan XXXX was still reviewing information, although approval was expected within XXXX week and a callback should be expected within that timeframe. Complainant contacted the lender via phone on XX/XX/year> after no callback or notification of approval was received, and lender again advised that no update was available ; a request for callback was placed on this date with the lender advising that a callback should be expected within XXXX business days. Complainant contacted lender via phone on XXXX XXXX, XXXX  after no callback was received, and lender again advised that the average approval timeline was within 90 days of the assumption request, and that the callback request had been received. Realty agents for complainant and buyer have been authorized as XXXX parties for access to assumption and loan information, but have also been unable to speak with any member of lender 's " XXXX XXXX '' despite repeated calls to lender. No further contact or updates from lender have been received by complainant, buyer, or the realty agents for complainant or buyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX 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

Holloway Credit Solutions left a detailed message on my work voice mail mentioning me and a debt I owed. I want them to stop. I thought this was not legal? I sent them a letter of asking what this was for with no answer.