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

Subject : Credit Report Dispute FERPA Violation by Government XXXX XXXX Servicer I am writing to formally dispute an inaccurate item on my credit report regarding my XXXX loans. I have identified incorrect information related to my XXXX loans that must be investigated and corrected immediately. Specifically, the government XXXX loan servicer has violated my rights under the Family Educational Rights and Privacy Act ( FERPA ) by improperly disclosing or mishandling my educational records. Furthermore, during the XXXX Administration, non-government employees were hired to review personal information, which further violated FERPA protections. 

Disputed Account Information : Creditor Name : XXXX Reason for Dispute : FERPA violation due to unauthorized disclosure or mishandling of my XXXX  loan information by the government loan servicer, including the involvement of non-government employees who were inappropriately granted access to sensitive educational records. 

Under the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into this matter and immediate corrective action, including the removal or correction of any inaccurate information resulting from this FERPA violation. 

Please provide a written response to my dispute within 30 days, as required by law, detailing the outcome of your investigation. If the disputed information is updated or deleted, I request that you send a corrected copy of my credit report. 

If you require any additional information to process my dispute, please contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this serious matter.
Product: Prepaid card

Rushcard locked my account because they said my card was compromised and claimed they sent and email which they did not and locked me off the Website. I have n't been able to get my money going on three weeks and the customer service is awful. They put you on hold for almost an hour and then youre disconnect only to have to start over again!! I 'm behind in bills because of Rushcard. I 'm being penalized for something they did on their end! I NEED my MONEY!!
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 # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX or charge off # XXXX, Account name : XXXX XXXX XXXX bank # XXXX Account name : XXXXXXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

I was working on a college course with XXXX XXXX  and the course was XXXX , I was unable to pay the balance because of Covid 19 taking me out of work for 2 months was unable to pay forward the balance. 

The total I owe now is XXXX to collection much more than the initial balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has wrong job information. Correct information for my job is XXXX XXXX. This is where I been since XX/XX/2008.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the following hard inquiries. 

Date Company Address XX/XX/2019 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/2019 HSBC BANK USA NA, XXXX XXXX  XXXX XXXX, NEW YORK, NY XXXX
Product: Debt collection

On XX/XX/2020, I was contacted by XXXX XXXX from XXXX XXXX XXXX on behalf of Huntington Debt Holdings, LLC. XXXX XXXX called my cell phone twice within 5 minutes ( XXXX CST and XXXX CST ) and called my work immediately after looking for me. 

Upon answering the call at my work, I attempted to work out an agreement with Mr. XXXX, but he indicated that my account was in " garnishment '' status. I questioned this, as no legal action had not yet been served, nor a judgment levied against me. I probed this further, and said that there could not be a garnishment against me, as there had been no legal proceedings. 

Mr. XXXX then threatened me with legal action, saying it was " in garnishment status '' because the State of Kansas  would just go ahead and approve their claim. I countered this with " well, since it was not presented in court, no garnishment could occur as of yet. '' Mr. XXXX then became very defensive, saying that I " took merchandise without paying for it. '' At that time, I demanded to speak with a different person, as I did not approve of his tone or professionalism. 

I spoke to a different representative at XXXX XXXX XXXX, and we came to an amicable agreement to pay the debt in full.
Product: Debt collection

Follow up to complaint filed back on XX/XX/XXXX - Complaint # XXXX. 

In XXXX I learned that Cooling and Winter Attorney, XXXX XXXX filed a lien on my house in regards to Credit Card debt owed to XXXX  XXXX XXXX. In the conversation back and forth with Cooling and Winter prior to this action informed Mr. XXXX the some/most of this debt was from identity compromise or theft. Plus there was no communication about this. Submitted a complaint to XXXX  XXXX XXXX in which XXXX did confirmed some info on the number of accounts but then nothing more. No contact info either. 

On XX/XX/XXXX received 2 letters from Cooling and Winter on certified delivery via US Mail and one regular mail. Both letters are the same. Again no communication from Cooling and Winter that this was going to be done and a different lawyer with the firm, a XXXX XXXX XXXX. Mr. XXXX has now filed a public notice with XXXX County for Garnishment of all income, wages, property, etc. This was done on XX/XX/XXXX and the only way I found out about this is that I received 5/6 advertisement letters from bankruptcy law firms 2/3 days later. Some included the case number. It took some time to search the XXXX County case list to find the one these letters were referencing. 

The amount is the same as what was in the lien put against my house in XXXX. Includes court fees. XXXX XXXX XXXX has already done a charge off of the amount owed, and it does show on my Credit Report. Think this was done in XXXX and there is a statue of limitation?? Never received a communication from XXXX about possibly settling on a lower amount after removing various fees, etc. So now I have a lien on my house and also possibly a Garnishment. Seems like I am being judged twice for the same issue. Not to mention the lack of communication which has been the problem all long with Cooling and Winter. 

I am XXXX XXXX and XXXX XXXX XXXX so do not have a huge income. But I did wonder at the start why the did not mention Garnishment first instead of going after my largest asset - which is my home. Again this identity theft has caused several problems for me and effected all everything. In trying to take care of this I was able to pay of XXXX XXXX but still had to all my other accounts to another bank. Was able to settle with XXXX, they had previous reports about strange charges, etc. But I also incurred a charge off as well. XXXX I reported to CFPB due to internal errors where they kept misapplying my payments and for some reason could not fix it. XXXX  XXXX XXXX is the one left and the hardest due to the fact lack of communications both with XXXX and Cooling and Winter. 

The letters from the bankruptcy law firms I received in the mail : I am not sure I can trust. I know filing Bankruptcy is one option, but not sure if that is the only option. So I need to find a honest lawyer who can tell me my options and what I can do. But already got burned by one lawyer who said he could help. Started with him and after about a year of hearing nothing from Cooling and Winter he requested removal from the case. My regular lawyer has retired ( he is like XXXX years old ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried unsuccessfully two times on-line to request my free annual credit reports from the three companies. It apparently requires me to download and print the reports online. I try downloading the report, it dumps me out of the system. 
Also, the last credit reports I requested, approximately 3 years ago, received only 2 of the 3 I requested. At that time I got the 2 reports via mail. Why can't I get the reports by mail now? 
I was using the " free credit reports '' website referred by FTC.com
Product: Debt collection

Community bank wayfair, searched for and obtained family members names and phone numbers to discuss my account without my permission. They then repeatedly called all day every day to my family and my self
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX of this year XX/XX/XXXX while out of town on a business trip our home was burglarized. Upon making the initial report and turning the matter over to our insurance company we noticed upon being notified by our bank that our personal information may have been compromised. 
Over the next several months we were informed that since XX/XX/XXXX numerous accounts had been opened or attempted to be opened utilizing my personal information. Upon receiving all this information I immediately contacted law enforcement along with the FTC. 
Based on the initial findings a police investigation was initiated and their findings clearly outlined several accounts were opened with stolen personal information. 
At the end of the month XX/XX/XXXX upon the completion of the investigation I was given both a finalized police report along with a signed affidavit of forgery from the FTC. I sent the information Via certified mail the XXXX XXXX XXXX in which they received the information and packet on XX/XX/XXXX. On XX/XX/XXXX I made contact with Experian via telephone XXXX number only to be told they have yet to make a determination. Despite all the overwhelming evidence the identity theft has caused they have yet to block the fraudulent information. The other reaming credit bureaus have already initiated and implemented the freeze and block of my personal information.
Product: Debt collection

I received one letter and the next week a collection account was placed on my credit reports. The account in question has been has been proven to have been opened in my name fraudulently by someone else with the previous collection agency that tried to collect from me years ago. ERC did not even send me a debt validation notice to allow me to ask for validation which is required under the FDCPA.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX  XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX  {$1900.00} XXXX XXXX  XXXX XXXX  {$560.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2022 I opened an Online Savings and Money Market account with Discover Bank after receiving an offer via my credit card ( also with Discover ) for a quite high APR on the account. 

The account opening process went well, but when I tried to fund the account using my external bank account with XXXX the system locked me out and forced me to contact Discover for assistance. Discover 's customer service truly leaves a lot to be desired despite their constant reminders that " they're rated # 1and US based ''. 

After speaking to several people- all o whom gave me a different story - my account STILL hadn't been unlocked AND I was informed that XXXX is not an " allowed '' bank for me to send/receive money from. I asked who these magnificent banks are that are " allowed '' to be used to fund an account or transfer funds to, but the representatives were unable to answer that question. They were also unable to answer any question with a straight answer. 

The account remains open and Discover emails me constantly telling me I must fund the account, however they still have my online access suspended and apparently my primary bank - XXXX - is not to be trusted according to their rocket scientist customer service agents. I requested a supervisor call back, but - not surprisingly - did not receive one. Discover Bank SHOULD NOT be allowed to conduct banking operations if their representatives are so grossly incompetent and misinformed.
Product: Mortgage

My mortgage servicing company recently changed to Ditech Financial. I have been attempting to reach them for nearly a week now concerning an urgent escrow question. I have been holding for a representative to answer for over one hour and one half each day for three days now. A total of four and one half hours. After each attempt I use their contact box to e mail a message to them. I get their generic " we received your message and a representative will be contacting you shortly '' e mail response but never get a call from one of their representatives. I do not seem to be able to communicate with this firm which is a serious and unnecessary problem.
Product: Credit reporting or other personal consumer reports

Good Evening! 


I had a loan with chase auto finance for a XXXXXX/XX/XXXX. My car was repossess, but I was able to pay off the charge off of the told final amount. The amount was XXXX and something. I finished paying it off somewhere in XX/XX/XXXX. When I was applying for a mortgage loan this year, my mortgage loan was denied. One of the reasons was my auto account with XXXX was still open and saying I needed to pay {$5000.00} and something, but the account should be closed now. And they affected my mortgage loan.
Product: Credit card or prepaid card

I was denied an extension of credit by CAPITAL ONE BANK. On XX/XX/2022 I submitted a credit card application and was sent an Adverse Action notice from CAPITAL ONE BANK on XX/XX/2022. The letter from CAPITAL ONE BANK is proof and evidence that I have been discriminated against. CAPITAL ONE BANK has violated my federally protected consumer rights.
Product: Checking or savings account

XX/XX/2021 my card was stolen. I didn't realize until I went to make s purchase that it was gone. I quickly downloaded the app and contacted them. When we returned back to the hotel I called the police to make a report being the person went to multiple stores using it so hopefully cameras were available. Albert said they concluded no crime was committed and I've been trying to find help every since. They stole over XXXX and Its not fair to me or my children they get away with it plus we couldn't the money stolen. It's really a hurtful and sad situation to endure.
Product: Student loan

In a recent check of my credit score, I noticed that PHEAA is reporting a default on a student loan that they say I took out in XXXX. After asking for validation and verification, I finally received a " Promissory Note '' that looks good until you get to the borrowers signature line. The promissory note that they forwarded to me, was not signed by me or anyone else. The borrowers signature line simply contains a bunch of numbers that look like my social security number, birthdate and other meaningless numbers. 

After receiving the promissory note, I took it to my attorney who agreed that a promissory note needs a signature by me in order to be a valid, enforceable contract. In order for PHEAA to recover on this promissory note, it needs to prove that the defendant ( me ) signed the promissory note, they need to prove that PHEAA currently owns or holds the note, and they must prove that the loan is actually in default. Therefore, PHEAA MUST provide me a SIGNED promissory note, as well as other documents showing an unbroken chain of assignment from the original creditor to the plaintiff. 

On XX/XX/XXXX, I was informed that PHEAA has now forwarded this debt to a collection agency. This action has added thousands to the debt the say they own. My lawyer and I are giving PHEAA 30 days to provide us with a signed promissory note, as well as the documents showing the unbroken chain of assignment. If those documents do not arrive, we are prepared to present evidence to a judge in common pleas court.
Product: Debt collection

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that THE FOLLOWING ACCOUNT IS NOT MINE : ENHANCED RECOVERY CO. # XXXX, demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
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 XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Checking or savings account

I have a checking account with Capital One Bank. I went into the bank on XX/XX/2023 to withdraw money. The teller at the bank said that because I am transferring money from my XXXX into my personal checking account that they may make me open up a business banking account. My XXXX is for my business which is a sole proprietorship as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She let me withdraw the money and I went on my normal day. This past Friday on XX/XX/2023 I went to withdraw money again and she said that they are not going to let me withdraw money from the checking account. She said they're making me open up a business banking account and move everything over to that. She was on the phone for about 45 minutes waiting for an answer from corporate. While she was doing that I sent her my sole proprietorship documents and waited. After a while I just told her to don't worry about it but I will wait until they open up the business checking account and then withdraw money at that point So I asked her when I could set this up to get a business banking account opened and she said the earliest that they had was on Wednesday at XXXX in the afternoon. So I told her to put me down for that and I would come in to open up a business checking account. That evening I went to go use my card to get gas and food, I found out that they Froze my account. I called corporate to see what was going on and they said because it's against their policies they locked my account down and they said that they would have to review it within 5 to 7 business days. I told him that this was my only checking account my only access the money and then I had to get medication for my XXXX this weekend and I needed some sort of available funds to be able to live off of and they said that they could not do anything for me. I resent them my corporation box and everything they asked for and they just told me that they would take 5 to 7 business days to decide what they wanted to do. As I did more research I came to found out that it's frowned upon but not illegal to deposit a sole proprietorship money into a personal checking account. I went in on Saturday, XX/XX/2023 asking to close my account with them and for them to release my funds to me and they told me that they could not do that.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance regarding the removal of certain accounts from my credit reports maintained by XXXX and TransUnion. After conducting their investigation, XXXX has removed the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DE XXXX ( XXXX ) XXXX Given XXXX  determination, I am requesting that XXXX and TransUnion also remove these accounts from their reports. According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and verifiable information on their credit reports. If these accounts can not be verified as accurate, they must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet when I review my XXXX account dated XX/XX/XXXX I found out that there are items passed on that should be Block. Per FCRA segment 605 Experian and XXXX Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. XXXX did not response my letter that sent to them last XX/XX/XXXX. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX U S DEPT OF ED/XXXX XXXX Balance Owed : {$3500.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$1800.00} ACCOUNT XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act # XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX have 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