23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am filing this complaint to request an investigation into possible unauthorized access or misuse of my student loan information. 

Details of the Issue : I recently consolidated my federal student loans into a private loan and entered a debt settlement for the remaining {$12000.00}. 

I have reason to believe that my private loan servicer or other entities may have accessed my financial records without my consent, potentially influenced by the DOGE Task Force or unauthorized government data-sharing. 

If my student loan information was improperly accessed or used to determine my debt settlement terms, this could constitute violations under : FERPA ( Family Educational Rights and Privacy Act ) If my student loan records were accessed without my authorization. 
GLBA ( Gramm-Leach-Bliley Act ) If financial institutions improperly shared my private information. 
FCRA ( Fair Credit Reporting Act ) If my credit report was accessed without a permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted in 2013 by XXXX XXXX that Bank of American placed me in their system because they suspected a fraud, which I am not aware of. I contacted the Bank for clarification, which indicated, I am not owning the Bank. I was assured that the alert will be deleted. I write different letters back and forth to the bank, but all to no avail. Ever since then, I was able to open an account with 2 banks, with no issues. Now the problem is that I have a family and unable to get a job because this fraud keeps coming up anytime they do a background check.
Product: Credit card

To whom it may concern, I 've been a member of the XXXX program for years and hold an AMEX Corporate Card so my name should be on file for quite some time already. 
I applied for a XXXX American Express card but this is being refused after several attempts to confirm Social Security details. The issuer rejects evidence provided and keeps requesting additional proof. 
After XXXX attempts to e-mail/upload an electronic version of my Social Security number ( the XXXX not accepted, the XXXX -upload- never available online ) AMEX asked me to obtain an Original Letter from the SSA and mail to AMEX HQ in XXXX XXXX XXXX , Utah to have this processed ; only to find out ( on my, n'th call ) that the document has not been accepted and now require a Compulsed copy of my SS Card ( also by mail ). 
Thus, SS numbers should be accessible for the CC Issuer to check at any time, and confirm with the local agency. This process started with my application, probably 4 months ago. This is clearly unacceptable. There must be other ways to proof SS or credit worthiness ( current bank accounts, fraud lists etc ). 
Sincerely
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Name : XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Security Number : XXXX Subject : Request to Block Fraudulent Information Due to Identity Theft and Failure to Protect Personal Information Details of the Complaint : I am submitting this complaint against the credit reporting agencies and data furnishers due to their failure to properly address identity theft-related fraudulent accounts on my credit report. Despite multiple requests to update my personal information, block fraudulent accounts, and provide verification of disputed information, the credit bureaus have failed to comply with federal laws. 

Violations of Consumer Rights : Failure to Provide Method of Verification - The credit reporting agencies have refused to provide the method of verification used to validate disputed accounts, violating 15 U.S.C. 1681i ( a ) ( 6 ).

Failure to Block Fraudulent Information Upon Request - Despite providing proper documentation, fraudulent accounts were reinserted into my credit report without notice, violating 15 U.S.C. 1681c-2.

Failure to Properly Safeguard Personal Data - My personal information was compromised in multiple data breaches, including XXXX XXXX XXXX, Equifax ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). The credit bureaus failed to take appropriate steps to protect my data, violating 15 U.S.C. 1681b ( g ).

Failure to Ensure Accuracy in Reporting - The data furnishers have continued reporting inaccurate and fraudulent information, violating 15 U.S.C. 1681s-2.

Disputed Accounts & Violations : XXXX XXXX - Removed due to identity theft but later reinserted without notice. 

XXXX - Removed due to identity theft but later reinserted without notice.Both accounts were removed on XX/XX/XXXX but reappeared on my credit report as of XX/XX/XXXX, violating the reinsertion notice requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT
Product: Student loan

The school financial advisor told us ( me and my parent ) that the loan we were agreeing to was private but explained it as though it had the same terms as a federal loan. Repayment started as I was in school and the payments were graduated. After the payments got too high I tried to apply for different payment options, but was told that because of the type of loan I signed, I could n't qualify for different payment options. I paid for XXXX, {$50.00} forbearances ( the limit for the life line of the loan ). The loan defaulted almost 20 payments ago. Although the loan defaulted, my parent has been making $ XXXX/mo interest only payments on the loan. She 's made XXXX payments. The loan servicer told her that after 24 payments they would evaluate the loan and determine if it could come out of default. I told her they were lying bc she did n't get it in writing. When I call to speak with them about a recovery plan they tell me there is n't one. I want to catch up on the payments, but I ca n't afford to at this point. I honestly do n't believe that they want it paid off because they wo n't work with us at all. I 'm currently saving in order to offer a settlement amount, but it 's going to take me many more months before I can save enough and the interest on the loan will continue to grow.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. Also, I have doubts about the accuracy and the reported payment history on this account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the account be removed to correct the information. 
XXXX XXXX XXXX XXXX .... Balance : -
Product: Debt collection

This was a catalog item that i did not order but paid anyway, thus it should be removed from my reports
Product: Mortgage

I paid a one time payment on my house loan. The next month they tried to take another {$40000.00} from my checking it was to be a one time payment not two months in a row. The money not being there bounced causing {$75.00} in fees. Its been going on for to long over 3 weeks. They tell me theyre working on it now I have a letter that says I owe them the {$40000.00} back. After I paid the first {$40000.00} I didnt owe that much. The are telling me that the payment I made of {$70000.00} bounced and it did not I have never bounced a check in my life. Then on SaturdayXX/XX/XXXX I got another letter saying I am in the rears no I am not. They are costing me money and my credit. All I get is when I can get them to return my calls is I am working on it. It should not take 3 weeks to fix this. It should not take a week to return a phone call.
Product: Money transfer, virtual currency, or money service

I've been trying to recover this check from PayPal since XX/XX/XXXX, XXXX, to no prevail. 

The transaction ID is : XXXX It was {$570.00} with a check fee of {$1.00}, equaling {$560.00} Its unacceptable how PayPal makes it impossible to speak to a human being when calling their listed number. It appears PayPal intends on conveniently overlooking processing this pay-out. 
I can only imagine how many people they do this to. 
This transaction was a payout from my son 's PayPal account. My son was allowed to create a PayPal account with all of his information and my son was allowed to collect money using Paypal as his payments processor, but when he wanted to withdraw his money, suddenly PayPal sent him an email stating that he was not of legal age and that his account would be closed and his access was immediately restricted, preventing him from withdrawing this money. 
When he called PayPal, at the time, he was told that his legal guardian/parent would have to speak to PayPal in reference to the funds being paid out. I took the phone, as his mother and after a brief conversation, I was told that his check would need to be mailed out instead of the usual direct deposit method commonly used to take funds from a PayPal account. A Transaction ID Statement was emailed to us and after waiting for months and never receiving the check that corresponds to this transaction ID, we have been trying to contact PayPal in vain, ever since.
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 FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$8000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX, i made a transfer of {$9000.00}, i called the bank on XXXX XXXX, XXXX and XXXX to check as the money never arrived. The bank has kept the money on hold without my consent and are refusing to release the money to the recipient nor return the money to my account! 

I have been following up with no avail and no feedback other than we will investigate the matter and its been 11 days now since the transfer and i dont have access to my money since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX new violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX  XXXX XXXX XXXX XXXX New reported to Transunion that I applies for Credit which I never applied for, they violated my rights to have fair and accurate information on my credit report. 

My personal Information on my credit report is inaccurate as well I have requested to have my address, phone numbers and names corrected on my report this is a violation on my consumer protection rights.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX and XXXX of XXXX, My self and my daughter were hospitalized with complications from XXXX for weeks. I was unable to work and unable to make payments on my credit card due to loss of income for reasons beyond my control. Since then I have asked for the late payment to be removed from my credit report out of good faith and have been continually ignored. I have provided Huntington with proof of my and my daughter 's health records and they continue to ignore and decline my request for a good faith removal of the only two late payments in 2 years. It has severely effected my ability to purchase a home for myself and daughter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 15 USC 1681 section 602 ( a ) states I have the right to privacy. 15 USC 1681 604 ( a ) section 2 also states a consumer agency can not furnish an account without my written consent.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

XXXX, with XXXX XXXX, called my ex-sister in law and left a voicemail with my personal information on XX/XX/2019 in regard to my XXXX XXXX Credit card. I was not contacted. I have previously called them and updated my phone number, address, email, etc so there was NO reason for them to call her at all. I feel it was a violation of my privacy to leave such a detailed message with someone unrelated to the issue. I would also like to add that previously they have called MULTIPLE times a day when I believe the law states they can only call 7 times a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 Balance : {$0.00} XXXX XXXX XXXX XXXX : {$6800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these companies have violated my rights. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 

15 USC 1681 Section 602 states I have a right to privacy, 15 USC 1681 states a Credit Reporting Agency can not furnish an account without my written permission.
Product: Checking or savings account

Bank of America is refusing to acknowledge me as a victim of fraud and identity theft. I filedseveral claims about transactions that had occurred, in fact On XX/XX/XXXX I went into a Bank of America financial center where I was am in fax all of my evidence concerning the identity theft matter. I was told that Bank of America would be sending out a packet for me to complete and send back. I never received the packet in the mail. XX/XX/XXXX I visited the financial center again and the banker told me that all of my claims were denied because I did not file the transactions within 60 days, although one of the police reports that Bank of America is in receipt of, states that my mail has been stolen, therefore I never received the statements. OnXX/XX/XXXX I  received a phone call from Bank of America, although I missed the call the representative left me a voice mail stating that Bank of America wanted to discuss details in regards to my claims, and left a reference number. I called Bank of America at the number that was left in the voice mail, and provided the reference number, The representative stated that there was no such reference number, she then asked for my account number, after verifying my account which is now closed, she stated that the call was from the claims department and transferred me. I was transferred a total of 6 times each time assured that the department that would receive me would be able to provide me with service. Eventually i spoke with a representative that said i would have to visit a financial branch to be provided service. I was able to deduce that Bank of America is not acting in accordance with Bank law and is violating my rights as the consumer. They are not filing claims, or furnishing documents that Federal Law imposes. An unauthorized account has also been opened using my information, online, Bank of America refuses to acknowledge those claims as well, and furnished a signature card, that was electronically signed in plain texts. I have documentation showing that these requests were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is the complaint about? 
" I am filing a complaint against Experian for failing to properly investigate multiple disputes regarding fraudulent charges on my credit report, which I believe are the result of identity theft. Despite providing substantial evidence, Experian has consistently disregarded my disputes related to specific accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX '' What type of problem are you having? 
" Experian has not conducted the necessary investigations into my claims nor made the necessary corrections to my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ) and is highly damaging to my credit score. '' What happened? 
" Over the past several months, I have submitted multiple disputes along with identity theft reports filled with police station to Experian regarding the following accounts : XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX Co ( Account Number : XXXX ) The disputes include issues with incorrect high balances, identity theft, inaccurate dates of last activity, re-aged accounts, reinsertions without proper notice, undated late payments, charge-offs listed as open, and collection accounts with limits. Despite this, Experian has continuously disregarded my disputes. ''
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/22 a deposit was sent over to what was thought to be a XXXX  XXXX. Services were never rendered. XXXX Bank is refusing to file a flail to recoup the funds sent over to the would be scan XXXX. XXXX XXXX is not helping either. Attached you will find the correspondences. I have since then reported the XXXX page to XXXX and the page has been deactivated. Id like my {$150.00} back immediately and XXXX should go after the scanner just as the would when disputing charges from XXXX or XXXX. Zelle instructs you to contact your banking institution, they dont offer any help either!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX granted me two -- -three month deferrals on my payments due to Hurricane IRMA.THE DEFERRAL WERE FOR XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX. A PAYMENT WAS MADE IN XXXX AS REQUIRED. XXXX is current reporting a past due amount of {$1600.00}. I disagree with this late fee. 

INTEREST AND LATE FEES WERE SUPPOSE TO BE WAIVED ALSO. The interest amount of {$3400.00} was not waived. The interest and principal was added to the balance as a balloon along with the principal. The late fees of {$350.00} were eventually waived as promised. 

XXXX is currently reporting a Balloon Payment amount of {$10000.00}. This incorrect also. the amount should be ( {$10000.00} -- {$3400.00} ). 

I have been in contact with XXXX since XXXX concerning this issue. I m called from the collection department and they are not aware of the IRMA deferral. No one at the bank seems to know what was agreed to and how to solve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and had over XXXX inquiries added to my report in an attempt to obtain credit in my name .I contaced transunion and made them aware of the situation, I also provided a police report and a copy of my license and social security card as they requested and the inquiries still remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any accounts listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to report. Here is the list of items that do not belong to me or were opened without my permission. XXXXXXXX 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 According to FCA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.