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

There is 3 fraudulent credit inquiries reported on my Transunion credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint regarding the recent data breach involving Cash App, which has resulted in the unauthorized exposure of sensitive personal information, including but not limited to names, addresses, phone numbers, and financial data. I am one of the affected users, and I am deeply concerned about the potential risks to my privacy and financial security that this breach has created. According to the information I have received, this breach exposed data that should have been safeguarded by your company. As a long-standing user of Cash App, I trusted that my personal and financial data would be handled with the highest standards of security and care. However, the breach of such sensitive information has caused me significant distress, as I am now vulnerable to identity theft, fraud, and other forms of financial exploitation. I am particularly concerned that Cash App did not provide timely and transparent notification regarding the breach, and that, despite this serious lapse in security, there has been inadequate support provided to affected customers. The failure to protect users personal data and the delayed response to this incident may have caused irreparable harm to many individuals, myself included.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to appeal the permanent limitation that has been placed on my PayPal account, registered under the email address XXXX. I firmly believe that this limitation was a result of a mistake, and I would like to provide my case for your re-consideration. 

Firstly, I wish to emphasize that I have always strived to abide by PayPal 's policies and guidelines since the inception of my account. I have not knowingly engaged in any activities that would violate the terms of service. As a law-abiding user, I value the trust and security provided by PayPal for online transactions. 

I am extremely concerned about the limitation imposed on my account and its potential impact on my ability to conduct essential financial transactions. Having relied on PayPal for various online purchases and payments, I have come to appreciate the convenience and safety it offers. 

I kindly request PayPal to re-investigate my account activity comprehensively. I am confident that a thorough examination will reveal no breaches of PayPal policies on my part. I hope that upon re-evaluation, you will find my account to be in good standing, and the limitation can be promptly lifted. 

I understand that PayPal must diligently uphold the integrity of its platform by safeguarding against any potential risks. In that same spirit, I trust that PayPal will recognize my genuine commitment to maintaining a secure and compliant account. 

I sincerely hope you will reconsider the decision and restore full access to my PayPal account. Your prompt attention to this matter would be greatly appreciated. If you require any further information or clarification, I am more than willing to provide whatever assistance necessary.
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Inquiries I RECENTLY RECEIVED A NOTICE THAT I WAS A VICTIM OF A DATA BREACH. 
I am filing a complaint with the CFPB regarding unauthorized and potentially fraudulent credit inquiries that lack proof of permissible purpose, as mandated by the Fair Credit Reporting Act ( FCRA ). These inquiries allegedly originated from the following Original Creditors : Alleged Creditor # Summary of Inquiries being challenged in list form 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 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 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 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: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and i am writing this complaint because XXXXXXXX XXXX aka XXXX has been reporting a credit card on my account without my approval and i clearly explained to them the issue and they promised to remove it but never had. My score has been tanked and also lost age of history length because of this new account. I would like to have this XXXX account removed and i need HELP. This is the account below. 

XXXXXXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I made a regularly scheduled payment to SoFi on XX/XX/XXXX for my payment due XX/XX/2019. After a few days, I went back on to SoFi ( XX/XX/XXXX ) after that XXXX payment had cleared, and noticed that I could make a regularly scheduled payment for the payment due XX/XX/2019, so I did due to the fact I will be away and did not want to forget about it. Come to find out, they applied it as an additional payment instead of the scheduled payment that was due XX/XX/2019. I clicked the bubble that said payment due XX/XX/XXXX, and assumed as anyone would, that the payment would be going towards that XX/XX/XXXX due date. Unbeknownst to me ( no email or any other notification was sent/present ), starting this past XXXX they wont let you pay in advance, although the option was given to make the XX/XX/XXXX payment online. I dont have autopay setup, so I wasnt trying to make an additional payment, or have it take that payment plus another on XX/XX/XXXX. I spoke with the servicing department on XX/XX/XXXX, and asked them to refund the money and so far the attempt has been unsuccessful. As a borrower, it should be against the law to do this, without any notification. I have a screen shot of what the page looked like on XX/XX/XXXX ( exactly as it looked on XX/XX/XXXX ), to fully understand what Im talking about.
Product: Credit card or prepaid card

Dear Sir/Madam : I received a promotion on my XXXX XXXX American Express regarding a free night certificate if I spent {$8000.00} on the credit card. I was required to enroll, which I thought that I had but apparently did not. I don't know how this would have been communicated to me, so I really would have no idea whether I enrolled. 

I called American Express and asked the status of my certificate. I charged a deposit and remaining payment for an XXXX, each in the amount of {$4100.00} ( or {$8200.00} ) which included a fee of {$230.00} I was required to pay the installer ( the original quite was {$7900.00}. I did so to receive the certificate. 

When I called today, I learned that I had not been enrolled. Furthermore, Amex refused to enroll me retroactively so that I could earn my certificate. I think I was baited into using the Amex card for this purpose, and incurred an extraordinary {$230.00} charge as a result. I probably earned XXXX certificates given my total activity during this period.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report I am writing to formally dispute the following hard inquiries listed on my TransUnion credit report. I believe these inquiries are either inaccurate or unauthorized, and I request that they be investigated and removed. 
Details of the Disputed Inquiries : Inquiry from : XXXX XXXX ( Finance ) Date of Inquiry : XX/XX/XXXXXXXX  Reason for Dispute : I did not authorize this inquiry or apply for credit with Flat Branch. 
Inquiry from : XXXX XXXX XXXX ( Bank ) Date of Inquiry : XX/XX/XXXXXXXX  Reason for Dispute : I did not apply for credit or a loan with XXXX XXXX XXXX. 
Inquiry from : XXXX XXXX ( Auto ) Date of Inquiry : XXXX XXXX, XXXX Reason for Dispute : I did not apply for financing with XXXX XXXX. 
Inquiry from : XXXX XXXX ( Auto ) Date of Inquiry : XXXX XXXX, XXXX Reason for Dispute : I did not apply for financing with XXXX XXXX. 
Inquiry from : XXXX XXXX XXXX ( Bank ) Date of Inquiry : XXXX XXXX, XXXX Reason for Dispute : I did not authorize this inquiry with XXXX XXXX XXXX. 
Inquiry from : XXXX XXXX ( Auto ) Date of Inquiry : XX/XX/XXXX Reason for Dispute : I did not authorize this inquiry with XXXX XXXX. 
Inquiry from : XXXX XXXX ( Finance ) Date of Inquiry : XX/XX/XXXX Reason for Dispute : I did not authorize this inquiry with XXXX XXXX. 
Inquiry from : XXXX XXXX ( Finance ) Date of Inquiry : XX/XX/XXXX Reason for Dispute : I did not authorize this inquiry with XXXX XXXX. 
Inquiry from : XXXX XXXX ( Bank ) Date of Inquiry : XX/XX/XXXX Reason for Dispute : I did not apply for credit with XXXX XXXX. 
Inquiry from XXXX XXXX XXXX ( Auto ) Date of Inquiry : XX/XX/XXXX Reason for Dispute : I did not authorize this inquiry with Car World. 
Inquiry from : XXXX ( Finance ) Date of Inquiry : XX/XX/XXXXXXXX  Reason for Dispute : I did not apply for credit or services with XXXX 
I request that you thoroughly investigate these inquiries and remove any that are found to be inaccurate or unauthorized. These inquiries are negatively impacting my credit score, and I ask that they be removed from my credit report in accordance with the Fair Credit Reporting Act. 
If you require any further information or documentation to process this dispute, please let me know. I appreciate your attention to this matter and look forward to a resolution. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

american express serve prepaid card permanently closed my account for no reason. my unemployment and savings are on that card and i need that money back!! i have the original email that they sent me. apparently they do not have a 1800 to call and resolve this with a representative.
Product: Student loan

They called my ex husband in another city and tried to say they knew me and were looking for me. They gave him a false XXXX type company name. They harassed my granddaughters father by saying that they received his number by going through copies of my phone records. They are sending me text messages saying that I am already pre approved to student loan forgiveness when I have ever spoken to them in my life. When I call back to ask when the forgiveness starts, they say I have to fill out paper work to see if I qualify. I have had it with these crazy people.
Product: Mortgage

This should be linked to case # XXXX As this remains an unresolved issue between myself, Rushmore Loan Management, and XXXX XXXX  XXXX please see attached response
Product: Credit card or prepaid card

I have 3 credit card accounts with Barclay Cards each with a great history of use and payments to them. 

Recently, while on a 2 month vacation/work trip out of the country, another credit card in my wallet ( with another company, not Barclay ) was stolen and many charges placed upon it. This caused a cascading effect whereby I had to close that stolen card account, and depend upon my Barclaycards while in XXXX. Additionally, I had to shift my monthly automatic charges that were on the stolen card, onto my Barclay Cards. Things such as monthly storage units, online subscriptions, and several other auto pays were linked to this card. 

The automatic monthly payments I had previously arranged with my bank and had been paying to Barclay beyond the monthly minimum payments to Barclay were now not covering the minimum during this brief period. This caused my balance on my Barclay Cards to ramp up quickly, plus Barclay charging me additional late fees because my payments were below the minimum due. My intention was to stabilize everything when I returned from XXXX. Upon return, I immediately paid the past due amounts. However, without notice, as soon as I had sent them payments, Barclay also lowered my credit limit and now the card I was relying upon to pay some of my monthly autobills that I had shifted to it was no longer covering those obligations and I was then subsequently being charged late fees from these other companies and causing cancellations of services ... a whole cascading effect. I was unaware of what was occurring since I was under the impression I still had about {$5000.00} of available credit available with my Barclay Card to get through this rough patch. To compound issues worse, as  soon as I returned from XXXX, I have been dealing with a medical issue and dealing with all of this unwinding has had to be delayed. I had since discovered that Barclay lowered my credit limit without prior notification and reached out to them to restore the credit limit yet they flatly refused. 

Bottom line, I have had a long relationship with Barclay, have been making regular payments in excess of my monthly minimum for years, up until this circumstance. Yet a Customer Relationship with Barclay seems not to matter to them, regardless of history, regardless of their outrageous interest rates of over 25 %, regardless that they had charged fees for things that they themselves had caused. I am done with Barclay!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/XXXX, I identified a discrepancy with account listed under DEPT OF ED/AIDVANTAGE and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX, there have been no updates and account is still reflecting on the report. I do not belleve the account belongs to me nor do I belleve that the creditor has authorization to access the account nor authorization lo attempt to collect on the account and the account continues to negatively affect me please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. 
I
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported inaccurate information on my credit report, and when I notified them they opened a dispute. I was then emailed that the dispute was resolved and was instructed to go online to access the file. The online system did not work and I used their chat feature to find a phone number to talk to someone. The phone number was an automated system in which they directed my concerns to their website that was not working. I finally figured out how to access a human and they opened my confirmation number, only to find out the case is still pending. There was no explanation to why I received an email stating the case was complete, and no reconciliation or assurance that it would be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is blocking my ability to secure lending by reporting my information under a deceased individuals SSN I have sent them a copy of my SSN via mail, and followed up to verify if the issue is resolved. I was told my XXXX XXXX on XX/XX/XXXX the death notice was removed. On XX/XX/XXXX I was closing on a car and my loan was not approved because of the deceased individuals SSN being tied to my account. Trans union has done nothing but block my ability to secure lending.
Product: Credit reporting or other personal consumer reports

This account is being reported as a charge off but has an open balance which is against the Fcra guidelines. This account was already reported as a loss no 1099 was provided the last actiivity dates are not the same which is also a violation of the fcra guideline XXXX is reporting this account as a charge off monthly which is against the fcra guidelines Equifax is reporting paid as agreed but also reports as a charge off
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXXBalance : {$550.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX
Product: Debt collection

ERC debt collection attempting to collect on a debt that was not mine. 

This same claim from a XXXX account was sent to another collection agency 2 years ago and through legal means was removed from my credit report. 

Now ERC is reporting that same debt on my credit report and calling to collect. They are rude and abusive and completely incorrect. I also explained that the statute of limitations has past for Arizona even if the debt were mine but they do not care. I also suggested that the federal statute for cell phone debt ( My assumption because they say XXXX ) is 2 years but they are undeterred and are still reporting this to my XXXX report XXXX 

They are combative and rude and have stated that they would stop calling and reporting to XXXX but they have not.
Product: Credit reporting or other personal consumer reports

I have been your FAITHFUL CUSTOMER for SEVERAL YEARS and have ONLY 1 OR 2 LATE FEES REPORTED ON MY CREDIT REPORT. THIS MAY BE DUE TO SO MANY FACTORS. I want to believe that the late fees applied to my account may have been assessed in error or under circumstances that warrant reconsideration. According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681a, which provides important definitions and protections regarding consumer reporting, I am exercising my rights under this law to ensure that my credit information is handled accurately and fairly.

Given the provisions under 15 U.S. Code 1681a and the broader requirements for accuracy and fairness in credit reporting, I respectfully request that you review my account and reverse the late fees that were improperly applied. It is essential that my credit history accurately represents my financial behavior, and I believe this action would align with the requirements set forth in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

chase card was investigating my information. I did not give chase card permission to investigate my name. I did not request a credit card.
Product: Credit reporting or other personal consumer reports

Flagship Credit Acceptance has an account showing on my consumer report showing that it in charge off status. I requested that the account be removed from my consumer report because I never received a 1099C. The charge off account should not be listed on my consumer report as a collection because it is in charge off status. This is a violation of my consumer rights. I received a letter from XXXX XXXX from Flagship Credit Acceptance stating that they have not violated any laws. We entered into an open end consumer credit contract on XX/XX/2015. Flagship purchased my contract from another company which is a direct violation of the National Banking Act of 1863 section 28 second clause. I have been intentionally harmed by the incorrect reporting of this account and have been hindered in further extending my credit.