23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern, My name is XXXX XXXX, there is a creditor on my EarlyWarningSolutions report that is reporting me for an account that claims to be a charge off and I never signed or had any connection with this debt collector. The confirmation number is XXXX, this account also states I am responsible for a reversal fee of {$370.00} which I was never informed of, this account also lists a phone number which has ever been registered to me as XXXX which is an error. I believe the right thing to do because this account is reported in error that it should not continue to stay on my credit reports anywhere as well as Early Warning Solutions and should be removed immediately.
Product: Checking or savings account

I have not received My paycheck deposit from Capital One. I usually get a deposit every Thursday which i did not receive, after ours of having no idea of whats going on capital one finally decided to send out emails after a whole day of no communication! Customers were told that there was a technical issue and everything will be back to normal By XXXX  morning. It is now XXXX on XXXX  XX/XX/17 And i still have no received my deposit nor that i get any update on what exactly is taking deposits so long or any further information!
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. DPTEDXXXX XXXX {$760.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, LEXIS NEXIS SOLUTIONS credit reporting consumer agency, delete an remove all inaccurate listed activities and information appearing on my consumer XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, These false an inaccurate activities posted on my report have resulted in termination an rejection of employment also hardship. I've attached a list of all inaccurate fraudulent activities on my account. I do not recognize the aforementioned activities on XXXX LEXISNEXIS CONSUMER report that have been reported.The aforementioned accounts activities inquires appearing on my consumer XXXX report maintained by you were not, made, or initiated by me. All of the aforementioned inquiries and XXXX activities are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned XXXX  consumer reports activities posted and listed are identity theft and fraud.
Product: Mortgage

WHY HASNT THIS HACKER FACED CRIMINAL CHARGES ALREADY! I SHOULD NOT HAVE TO LIVE LIKE THIS HAVING TO BE CONSTANTLY HARASSED AND DISCRIMINATED AGAINST BY THIS HACKER THAT HAS STOLEN FROM ME ANS IS CONTANTLY TRYING TO STEAL THE DEED TO MY HOME! 

THIS HACKER IS STILL ILEGALLY HACKED INTO THE PUBLIC LIBRARY SYSTEM WHERE I AM USING A PUBLIC COMPUTER AND NO ONE IS DOING ANYTHING ABOUT IT11 THIS IS AN ILLEGAL CYBER CRIME! DO SOMTHING ABOUT IT ALREADY AND AMKE THIS HACKER FACE CRIMINAL CHARGES ALREADY! HE IS HACKED IN ILLEGALLY RIGHT NOW AS I SEND THIS COMPLAINT IN! 

WHEN YOU SEE THE ATTCHED ON THE COMPUTER OR LAPTOP HERE THAT MEANS HE IS HACKED INTO THEIR SYSTEM AND ILLEGALLY COMMITTING A CYBER CRIME! HE NEEDS TO FACE CRIMINAL CHARGES ALREADY!!!

THIS HACKER NEEDS TO FACE CRIMINAL CHARGES! THIS HACKER NEEDS TO FACE CRIMINAL CHARGES! WHY HASNT THIS HACKER FACED CRIMINAL CHARGES ALREADY!!!
Product: Credit reporting or other personal consumer reports

I have filed several complaints CERTIFIED LETTER and they still refuse to remove inquiries NOT AUTHORIZED/FRAUDULENT
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : INQUIRIES : XXXX XX/XX/2024 : XXXX XX/XX/2024 : XXXX XXXX XX/XX/2024 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Student loan

I obtained multiple XXXX  loans to fund my XXXX XXXX I recently XXXX  and recognized that I can not pay XXXX  loans as I don't make enough money to buy food, pay rent, etc. Fortunately my father helps me with expenses. We did an inventory of my XXXX  loans. I have XXXX, all with Discover Student Loans. XXXX of them my father had to cosign. XXXX of them they approved me without a cosigner. They positioned this as great news, what I didnt realize is that they were happy to charge me a predatory interest rate. All of my other loans ( with my father ) are a few basis points lower. This is where the complaint comes in .... I reached out to Discover to refinance the loan and add my father to bring down the interest rate. They refuse. They are now saying that I have to qualify for the loan on my own, which we all know I cant do ..... I have made on time payments to them for years and just want to add my dad to the loan to make it more reasonable, but they are trapping me in this predatory loan. I applied with my supplemental income to qualify ( the computer approved me with it ), but they wont use it and declined my loan. They are purposely setting me up for failure and default.
Product: Credit reporting or other personal consumer reports

I have submitted several police reports as well as copies of my drivers license and social and FTC reports along with any dispute letters with 15 U.S. Code 1681s2 back in XXXX to all three credit bureaus XXXX, Experian, and XXXX due XXXX identity theft and a victim of the data breach. Ive placed a credit freeze previous on my report since XXXX, XXXX and Experian cant seem to stop individuals from using and obtaining my information. 

Unfortunately, these companies failed to remove anything Ive disputed throughout the years from Addresses to inquiries to fraudulent accounts. The three credit bureaus I have mentioned has ruin my reputation to other lenders also damaged my life for over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I applied for a deferral on our 2nd mortgage ( HELOC ) due to being out of work and having no money coming in. Prior to XXXX, our account was current and had no late payments that would affect our credit. I was unable to make payments for XXXX, XXXX, and XXXX. I brought our account current and paid the 3 months of deferral in full. When looking into refinancing our home in early XXXX, we noticed our credit has dropped when looking at our credit on XXXX and Bank of America showed that we had missed payments during our requested deferral period. I called Bank of America in mid XXXX to find out why. They told me that my account was current and didn't see any deferral or late charges. After explaining what we were seeing on the credit karma app, and that we were confused why missed payments would be reported to the credit bureau while in a deferral when we were told a deferral would not affect our credit is when we were concerned and why I was calling. I was transferred to different departments, and at times disconnected. Eventually, I was told we had a case manager by the name of XXXX XXXX. When trying to contact him to hopefully get answers, no one had heard of him or knew who he was so I was never put in contact with him. I finally talked to someone who was unable to find anything to show that I put in a deferment request and she told me I was not the only person this happened to. She suggested I request a letter to state that we are in good standing. I did so and we were denied and said that we could appeal it with a written letter. I wrote a letter to appeal it and have not heard anything back and it has been almost 3 weeks since sending that letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. 
I am the Owner of XXXX XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

To delete accounts immediately, my consumer writes are being validated by law
Product: Credit card

XXXX XX/XX/2024 received a debit card to my house with a cash tag that was not mine from cash app. Repeatedly called and initiated chats with CashApp to resolve the issue. Eventually logged a XXXX  complaint and only then did Cash app remove the fraudulent account. Cash app mentioned they would take steps to make sure this didnt happen again in the future. 
XXXX XXXXXXXX XXXX I came home to another envelope from cash app with a fraudulent card that has been opened in my name. I have attempted to get this resolved by cash app support and am running into the same issues as before. There are clearly issues with their fraud prevention system. No one from Cashapp is responding to this critical issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I tried to transfer funds from my Square merchant account to my bank account, as I do normally. I got an error message that said, " Instant Transfer Unavailable : We were unable to transfer funds. Please visit our Support Center for details ''. I didn't even initiate an Instant Transfer. I chose the standard, 1- 2 business days. I visited the Support Center, a very broad, general resource. I went through all channels of communication they have available. There is no phone line. After submitting the " email '' option by way of a parameter text box on their website, it says that you will get a response in 24 - 48 hours. Four days later, I decided to submit another email through the website. I have yet to get a response. 

After going to XXXX, I realized that this is happening to a number of small businesses. Square is withholding funds without any notice or response to the matter. Some business owners have said that their balance now says XXXX as their balance. Mine currently has {$1600.00}. 

I would like access to my funds immediately before mine shows as a XXXX balance. Please, please investigate Square now.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting inaccurate information on my credit profile I've asked TransUnion to do a full investigation into this fraudulent account and delete it immediately however TransUnion is continuing to report fraudulent information on my credit profile with no explanation of the investagation
Product: Credit reporting

In  XXXX  of   XXXX   I received my credit report and found there were  XXXX  collections being report by   XXXX   XXXX   for the amount of  XXXX  and  XXXX . Upon placing a call with them i was told that these account were in collection for  XXXX   XXXX . The young lady on the phone gave me the addresses of both accounts. This is when I discovered that someone had stolen my identity. I filled out a forgery affidavit, had it notarized and made a police report. All of this information was sent into the credit report, and to   XXXX   XXXX   as well. all of this took place on  XXXX / XXXX /  XXXX  . It has been over a month and no one will tell me anything as to why these accounts are still reporting on my credit bureau.
Product: Student loan

Every time I try to make a payment, it says payment reversal. I dont know why, but when I do make a payment and I get that payment reversal, it brings my loans to say that Ive missed a payment and then that brings my interest up. I dont understand why they keep reversing my payments And boosting my interest when Im making payments on time with a little more than what the payment is asking.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> TransUnion llc violated the fare credit reporting act by which requires a credit reporting agency to provide a free credit score every XXXX months and to appoint a central source XXXX XXXX XXXX XXXX XXXX  ) before receiving report I was forced to watch ads in violation of the fare credit reporting act which prohibits such advertisement until after receipt of report
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Product: Student loan

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education and the Department of Governmental Entities. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act violation and Title VA regulations, as well as an egregious violation of my personal privacy and financial security. I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent.

1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information.

Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
4. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. the direct impact on my financial security and privacy, I demand the following corrective actions :
Product: Money transfer, virtual currency, or money service

Venmo and XXXX have a collaboration to allow customers to send payments using their XXXX Send account. 

I have had issues using this service since XX/XX/2021 and was unsuccessful in sending a payment to another Venmo account. 

Regardless of who the payment was being sent to I still received an email from Venmo stating that the transition was cancelled and being returned. but the problem is that the funds were not returned to XXXX which is the payment funding resource. 

That is fine that the transaction was cancelled but the financial issue that has caused financial harm is that funds were not returned to the original payment source. 

The payment of {$1100.00} was not returned to XXXX and the funds are frozen in the account. 

I am not sending the funds to my personal bank account because the purpose of the transaction is to fund an Art project through a business account and I need the proper documentation and a track record of receipts. 

If the transaction was cancelled by Venmo then the funds need to be returned to XXXX the original funding source. 

I received an email stating that the account was frozen and to upload my identity. I already uploaded my identity. Venmo successfully verified my identity but then froze the Venmo account a second time even though I already uploaded a picture of my identification. 

The funds are still not returned to XXXX. 

I have contacted Venmo and chatted with customer service and customer service is asking me to submit a copy of my bank account to unfreeze my account even though I did not use my bank account to make the {$1100.00} Venmo transaction. 

I am not sending the funds to my personal business account because that defeats the purpose of using the XXXX SEND product for the Venmo transaction. 

The bottom line is that the transaction of {$1100.00} that was cancelled by Venmo needs to be returned to XXXX SEND ASAP!
Product: Debt collection

Very abusive debt collector with profanities would not stop calling even when told the company no longer exists. 
XXXX XXXX XXXX CST
Product: Debt collection

Received call from IQ Data debt collectors claiming I owed {$1200.00} in fees from apartment lease. I moved out in XXXX of 2014 and they claimed there were fees racked up in XXXX of 2014. Another person took over the lease and I had nothing to do with it from XXXX, 2014. I received a call from a lady with IQ and she was very rude and insinuated that she 'd heard this type of claim before, insinuating that I was lying. I told her that this debt was not mine and I had nothing to do with it, she threatened If i did n't pay it, it would report to my credit. I told her again it was not mine and she said she 'd notate on the account that i was disputing but that i had to call her back and make arrangements. I sent a certified letter to their headquarters stating I disputed the charges and to not report anything on credit. I also called the apartment complex, and was told that they never once sent anything to collections regarding my name, only the lease holder that took over my lease. They must have researched the previous lease holder, which was me, and tried to collect the debt from me. I called them again to let them know of the information I would be sending over and again they were very rude on the phone, rushing me off and instead of giving me an address to where I can send the docs, telling me to call back to speak w/an account manager.
Product: Credit reporting or other personal consumer reports

These credit agencies have misreporting and mismanaging my profile. They have reports on here that should not be. I have sent letters for validation of debt and received nothing. Along with disputes. They have violated my rights under The Privacy Act Of 1974 15 USC 6802 A & B