23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Please help, i just created my Paypal account and i have met every requirements, i have confirmed my email address, i have also sent a copy of my ID card to Paypal for account verification and confirmation, i got an email message from Paypal that my account limitation has been lifted and i can now send and receive unlimited amount, but when i log into my Paypal account its still has this red flag with this message { After a review, we decided to permanently limit your account as XXXX determined that this account is linked to XXXX or more PayPal accounts that currently have unresolved issues. 
You'll not be able to conduct any further business using PayPal. 
Based on this decision, if applicable, you are no longer eligible for PayPal } Please i dont know why this is so, i strongly believe that my account was wrongly limited permanently. i want my account to be completely lifted from limitation so that i can use it perfectly well. thanks.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to properly investigate my disputes and for verifying inaccurate information as accurate, despite clear evidence to the contrary. Equifax is reporting a bankruptcy on my credit report that can not be verified, as I have already provided proof that XXXX is not reporting a bankruptcy for me. Since Equifax relies on XXXX for public record verifications, there is no possible way Equifax could be properly verifying this bankruptcy. 

Additionally, Equifax continues to report inaccurate and incomplete information on my credit report, despite my numerous dispute attempts via mail, phone, and online. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and demonstrates a failure to fulfill its legal duty to maintain accurate credit files. 

Given the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ) against Equifax, which resulted in a {$15.00} XXXX penalty for failing to conduct proper investigations of consumer disputes ( Source : CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors, Consumer Financial Protection Bureau, https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-equifax-to-pay-15-million-for-improper-investigations-of-credit-reporting-errors/ ), my complaint further highlights an ongoing issue. 

This enforcement action confirms that Equifax has repeatedly neglected its legal responsibilities, and my case is yet another example of Equifax failing to conduct a proper investigation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  I sent out certified letter to Equifax to send me information where they gotten my information from the XXXX XXXX  bankruptcy. I sent Equifax information from the courts stating that they did not report my personal business to no credit bureau or no agency. And they havent responded. Every time I call them and I tell them they violated my privacy and my rights they hangs up on me. I want this deleted and I want a copy of my credit report sent to me.
Product: Student loan

I made sure that my bank information was correct in my account with Aidvantage prior to the student loan mandatory repayments starting up again in XXXX. I received a confirmation email a few days ago that they had processed my first repayment- but when I went to their website, I saw an error message that I had missed my first payment. I have looked into this online and I've seen many people say that this problem with Aidvantage was only solved by filing a complaint with the CFPB.
Product: Prepaid card

I have a prepaid rushcard, I have n't received my last XXXX paychecks. Every time I call they apologize and guarantee that it will be fixed by XXXX XXXX but it 's lies. I have n't received my money since XXXX/XXXX/15 and I have a shutoff notice for my electric tomorrow and my rent is late. I need help please
Product: Credit reporting or other personal consumer reports

Dispute of Fraudulent Hard Inquiry Under the FCRA Dear Equifax I am writing to dispute a hard inquiry that appears on my credit report, which I believe was conducted without my authorization. The inquiry in question was made by Equifax : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that only authorized and accurate information is reported on my credit file. I did not apply for credit with name listed above, nor did I provide consent for this inquiry to be made. Therefore, I request that this fraudulent inquiry be removed from my credit report immediately. 

Additionally, I request that you provide the following : Documentation or evidence showing I authorized this inquiry. 
The name and contact information of the party that initiated the inquiry. 
If you are unable to verify that I authorized this inquiry, it must be removed from my credit file in accordance with the FCRA. I have also included a copy of my ID and a utility bill as proof of identity, as well as a copy of the page of my credit report showing the inquiry in question. 

If this inquiry is not removed or resolved within 30 days, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal action to protect my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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.
Product: Money transfer, virtual currency, or money service

On XXXX purchasing a puppy on XXXX. Breeder wanted payment by XXXX on Chase app. Before I made pymt I called my bank, CHASE, to make sure their fraud protection would cover. 
TELEPHONE CONVERSATION WITH CHASE WAS RECORDED. 
CHASE CUSTOMER SERVICE REPRESENTATIVE. 
I explained I was buying a puppy on XXXX  with XXXX. She said I was absolutely covered if it was a scam or fraud. To VERIFY I stated again to be sure she understood, and CHASES CUSTOMER SERVICE " ASSURED '' me I was protected. 
I NEVER WOULD HAVE PAID THRU XXXX IF CHASES CUSTOMER SERVICE REPRESENTATIVE HAD NOT " ASSURED '' ME CHASE WOULD PROTECT FROM FRAUD AND SCAM. 
IT WAS A SCAM AND FRAUD. 
NOW CHASE WILL NOT COVER. 
TELEPHONE CONVERSATION RECORDED ... .... 
TOTAL {$890.00} ... 1. {$540.00} 2. XXXX CHASE NEEDS TO OWN RESPONSIBILITY FOR THEIR POORLY TRAINED CUSTOMER SERVICE REPRESENTATIVE THAT COST ME MONEY. 
CHASE NEEDS TO BE HELD RESPONSIBLE, AND OBLIGATED TO REIMBURSE ME {$890.00}.
Product: Credit reporting or other personal consumer reports

I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action and seek compensation for the violations under applicable credit reporting laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged onto Transunion website to place a lock on my account and the account of my wife on XXXX XXXX, XXXX. We were successful in placing the lock on my wife account, but two days later we received an email indicating that we had subscribed to credit monitoring for $ XXXXmonth. We did not want credit monitoring. I subsequent phone call and being on hold for 45 minutes we were able to get this subscription reversed on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I submitted a letter in regards to an inquiry on my XXXX, Equifax, and XXXX  Credit Report from XXXX XXXX XXXX which I do not recall which the company has a numerous amount of inquiries on each of my Credit Files. I requested a copy of a signed contract bearing my signature which the company has not submitted to me this is harming my credit score. Which is a violation of the FCRA.
Product: Debt collection

The collections account does not belong to me, however, the company refuses to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I submitted a complaint with XXXX  due to 2 inaccurate entries on my credit report. Upon checking the status of these complaint requests in XXXX, I was surprised to find that they were verified by XXXX  as reporting accurately. These were absolutely not correct entries and I would like to see the evidence that was used to verify that these were accurate findings on my credit history. I was offered no proof that these were correct ( and I strongly believe that they can not be because they are incorrect ) nor was I notified when the results were supposedly verified that they were correct findings. I know that these were reported incorrectly by the mortgage companys and would like to see verification of how they were determined to be reported accurately. Thank you.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Debt collection

This letter is a formal complaint against US BANK in regards to an accounts # XXXX {$9400.00}, XXXX {$5800.00}, XXXX {$7500.00}. They have repeatedly violated my rights as well as the Fair Credit Reporting and the Fair Credit Billing Acts. Despite the several correspondences Ive had with them, they continue reporting inaccurate and unverifiable derogatory information about me to the three major credit reporting agencies XXXX, XXXX, and XXXX. For one, I have requested verification of this debt per my consumer rights pursuant to the Fair Credit Billing Act. They have allegedly verified this account several times electronically to the credit bureaus but never once to me as mandated by law., I've actually disputed with them several times directly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I'm even in dispute with them via the XXXX XXXX XXXX. And I've sent every piece of proof that both XXXX and XXXX could possibly need to correct this erroneous information on my credit report yet they refuse to do so. That being said, I feel as though I am being viciously attacked by this company and my consumer rights are being violated left and right. I'm well aware of other previous complaints against this company. So my question is, where does it stop? And does your commission have any plans to prevent unlawful business practices such as this from happening in the future? Please investigate the practices, FCBA, & FCRA violations of this company. I'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that you REQUIRE them to remove the disputed account in question from my credit reports. This causes serious harm not only to my ability to establish credit and good interest rates, but also to my character as a XXXX. If there's anything I can send you to support my claim, please do not hesitate to let me know. Thank you in advance for your immediate attention to this very serious matter.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

This complaint concerns the recent arrival in the mail of a new American Express credit card to replace my current one that is expiring next month. I received a new card in the mail but, without providing disclosure, Amex upped my card to its Platinum level. I read the enclosed literature but there was nothing that said my card level had been increased or that the yearly fee was now much larger than my previous card. I went ahead and activated the card but then got on the Amex website and, after a lot of effort, found that the yearly fee for the new card was {$500.00}, whereas I believe my previous card was around {$150.00}. So what has occurred is, I believe, an improper upsell-type operation. Amex increased the level and yearly fee without disclosure of any type. Had I not done the research I would not have known until they charged me that amount. 
I am only seeking an investigation into the Amex upsell practice as described here. I would think this happens to a lot of its customers. To be clear, at this point I have suffered no known monetary loss and am not seeking any refunds. Indeed, I was quickly able to downgrade to a no-fee card. I just believe the practice Amex engaged in was improper, unethical, and anti-consumer because it was not disclosed up front.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer report agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because. 

In accordance with the fair credit reporting act convergent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian website 'contact us ' page leads to a never ending circle of automated prompts that never lead to a real person to ask a question if you have problems with their website.
Product: Vehicle loan or lease

OnXX/XX/XXXX I called Santander Consumer about my XXXX payment. I stated that I was not going to be able to pay the full amount and the customer service rep informed me that she could offer me an " extension '' on my loan that would put XXXX and XXXX 's payment on the back of my loan. I agreed and the customer service rep informed me it would take up to 10 days for Santander to process the extension on my loan. I called back and asked about the paperwork they were supposed to send me she stated that I would get an email and when I received the email to electronically sign the docs and my next payment would be on XX/XX/XXXX. I did n't receive the email until XX/XX/XXXX. I did everything they asked of me and thought everything was fine. I have my account to be set up with recurring debits so Santander actually still got a payment for XXXX in the amount of {$300.00}. Then in early XXXX I get a notification that I am 30 days late in XXXX. How can I be late in XXXX if my XXXX and XXXX payment was " extended '' and put on the back of my loan?? I called Santander and they stated that the paperwork was not finished processing until XX/XX/XXXXso that 's why its a late on my credit. Santander waited until my account was 30 days late then they processed the paperwork. That is fraud because they purposely waited until my account was past due then processed the paperwork. I called Santander to resolve this problem but they will not correct it. How can Santander say I was late for for a month that they put on the back of my loan. I have never been late or missed a payment since XXXX of XX/XX/XXXXwhen I got this loan and I have my account set up for recurring payments so this wont happen.
Product: Checking or savings account

I have an bank account with Ally Bank and I have used the wire function of the Ally Bank. 

I have found the process to be extremely slow and have called up multiple times to confirm the wire amount and beneficiary with the Ally Bank Staff. 

I have spent hours on the phone dealing with Ally Bank staff and their wire department staff. I am very dissatisfied with the wire service they have provided and I kindly request that Ally refund me the {$60.00} I have been charged on wires.
Product: Credit reporting 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 correct : XXXX XXXX  XXXX XXXX Balance Owed : {$8300.00} XXXX  XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX  Balance Owed : {$8300.00} XXXX XXXX XXXX Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agencies violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to XXXX, XXXX and TransUnion from XXXX of 2021. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my two factor authentication stopped functioning. 
The code on my phone authenticator would not sync with the website XXXX. 
I attempted to reaccess my account, could not, so I contacted Coinbase to notify them of this, and to request assistance. 
They notified me through Case # XXXX to : XXXX ) Go to the Coinbase login page on a desktop or mobile web browser XXXX ) Enter your email address and password ( this will prompt the self-recovery process ) XXXX ) Complete 2-factor authentication I notified them that I no longer have access to my authenticator app. 
Every area of the site that a customer is sent in terms of no access to 2 factor authentication, in order to resolve the issue, it asked you for your 2 Factor Authentication code. It's a loop that has no solutions. 
I contacted them again and requested for 2 Factor Authentication disabled from my account so I can verify my identity. 
No response. 
I went online, began researching, was led to XXXX where Coinbase has customer service - they have not responded to posts or chats. 
Since XX/XX/XXXX I have transferred {$6200.00} to Coinbase that I now have no access to and they have no provided me a path to access my account. Based on their reputation, and that they have no responded to my inquiries through their XXXX, I am filing this complaint. 
I have also filed with the state of New Mexico AG.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.
Product: Credit reporting or other personal consumer reports

Capital one closed my accounts Acct Numbers and did not inform me. one account was a business acct. Spark acct number ending in XXXX which was not a personal card and XXXX other cards Quick silver ending XXXX and platinum card XXXX Capital One closed my credit card accounts without warning My business card and quicksilver card were in good standing. I never received a notice stating that my accounts were being closed. However, I believe this decision is unfair because I was not provided with sufficient notice, This has caused significant inconvenience, including, losing access to funds and affecting my business and personal credit.

I got in touch with their customer service representative, and they told me there was nothing I could do.

I am requesting that Capital One reinstate my accounts or provide a detailed explanation for their closure. Additionally, I ask for any negative reports to my credit history resulting from this issue to be corrected