The bolded part is what I think the media twigged to but it clearly states no Treasury access to political appointees outside the Treasury department. The problem is that the DOGE people are underneath an outfit created by Congress also.

Yes, but that's what falls within the Privacy Act of 1974. Agencies are prohibited from sharing their records of personally identifiable information - even with other agencies (subject to some exceptions not relevant here). It was adopted after Watergate in response to perceived improprieties during the Nixon Administration accessing and using agency records for purposes outside of the reason they were gathered. As a general matter, if an agency like Treasury has things like your bank records and account numbers and whatnot that were collected for the purpose of making payments to you, they're not allowed to let a different agency like DOGE have access to those records. If you give your personally identifiable information to Treasury, it can be used by Treasury - but not some other department.