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

In late XXXX I set up a Personal PayPal account in order to sell some of my personal items online. I have had a business account with them for many years and have done hundreds of thousands of dollars on that account with no issues. I have had 3 small transactions ( all under {$20.00} ) and they have immediatly held my funds on each with numerious reasons given. I have called 5 times and finally got the first two released. Now I just got another held even though PayPal sent me two different emails saying that " Congratulations! You are now an estabilished Seller. '' Were happy to let you know that you are now an established seller with us. Payments you receive from today onwards will usually be instantly available to you, and money currently in your pending balance should be available within 21 days of the transaction date. '' It seems so wrong for them to hold my money. They have my credit card on file, They have my Bank Account Information on File, They have my outstanding and long standing business information on file, I immediatly ship and furnish them tracking numbers and yet this is how they treat me. This is exactly how XXXX companies work. Raising Fees ( They just took a huge fee increase ), Holding Funds, and making it difficult for people to get their money. Great way to make your numbers look good to the stock market? I DO NOT have issues like this with my long standing business account but with all the information they have there is now reason I see that they can justify holding my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently moved to XXXX with family. During my travel here i misplaced a few of my personal items. My purse included i lost my sscard, dl, bank cards and more. I have pulled my credit recently and saw alot of information reporting that does not belong to me. i have listed all of the accounts that it would allow in this report, I will include the additional names, addresses and accounts that do not belong to me here below names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX accounts XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to LexisNexis and XXXX and they are refusing to provide me withmy consumer report XXXX XX/XX/XXXX the sent me a letter stating that they are unable to authenticate my identity and therefore can not process my request. I have provided them with a copy of my y drivers license and they still refuse to provide me with my consumer report which is a violation of my rights under the FCRA. Attached to this complaint is a copy of of my Drivers License I porviede to LexisNexis and XXXX.
Product: Credit reporting or other personal consumer reports

BLOCKFI INC, a financial institution and furnisher of information and furnisher of information, along with XXXX AND XXXX, consumer reporting agencies, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by BLOCKFI INC, XXXX, AND XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states 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. BLOCKFI INC, XXXX, AND XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, XXXX XXXX  regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. BLOCKFI INC, XXXX, AND XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. BLOCKFI INC, XXXX, AND XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 A personal loan account opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) an Loan opened at at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an loan Opened at XXXX on XX/XX/XXXX Account number ( XXXX  ). Inquires from XXXX XXXX inquiry XXXX XXXX, XXXXXXXX XXXX XXXX XXXX inquiry XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  inquiry XXXX XXXX, XXXXXXXX XXXX XXXX inquiry XXXX XXXX, XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry XXXX. XXXX, XXXXXXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX inquiry XX/XX/XXXXXXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXXXXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX 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 ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent Equifax a letter to address several inaccurate, unknown and incomplete items on my report. 67 days letter, no response has been sent to me, and they are ignoring me.Section 611 ( a ) states that failure to investigate the disputed item within 30 days gives a reason to immediately remove said items from my report. It has 67 days, therefore I need these items deleted promptly. It is exhausting and stressful. I demand this account to be removed immediately or I will file for litigation due to the constant stress this has caused me. In addition, my information was compromised in the Equifax data breach, and my info may have fell into all the wrong hands.
Product: Credit card or prepaid card

On XXXX, XXXX, XXXX, I tried to log into my USBankReliaCard through Oregon.gov Pandemic Unemployment Assistance. I wanted to check my balance and inquire about a missing weekly payment. I was unable to log in to my account. 

I called the USBankReliaCard representative. They said my account was locked. So, I am unable to buy groceries, pay rent, use the ATM. My account should not have been locked. It is a major inconvenience! I do not understand why they locked my account. My statements showed I used my ReliaCard to buy groceries in XXXX and XXXX, but I used my other personal USBank account in XXXX out of habit, and I wanted to save up some money on my USBankReliaCard anyway. ( I have had a personal USBank account since XXXX. ) I was told to be able to unlock my card, I had to send pictures of my driver 's license ( front and back ), ReliaCard ID number, passport, social security card, a selfie, and a medical bill with my new address on it since my driver 's license was my old address ( I moved to my current location in XX/XX/XXXX XXXX that's been the same for over 15 years ... I submitted my address change from my old address to the new address in XXXX. USBankReliaCard has a record of the transaction as they keep track of account updates. 

I uploaded the requested documents and called the USBankReliaCard representative again after 2 hours. They confirmed receipt of my documents and said they will unlock my account 'pending approval '. This is very unnecessary harassment towards me. I think USBankReliaCard should have crosschecked me at USBank as they would have seen I have a personal banking account with them. They have my address ( old and new ) and my signature on file. 

Why are my funds being hijacked by USBankReliaCard? I need my Pandemic Unemployment Benefits to buy food, pay rent, use the ATM to get come cash, etc. 

This is not how USBankReliaCard should conduct business by making my life more miserable without my having access to my funds that were provided me to live on through Oregon.gov. 


For XXXX, I wanted to pay rent by sending funds to pay my landlord, and I could not buy food today when I went to XXXX XXXX  to buy groceries. The USBankReliaCard was declined twice! Now I am late on rent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against TransUnion Regarding Impact on Creditworthiness Dear CFPB, I am writing to formally file a complaint against TransUnion regarding negative remarks listed on my consumer report that are adversely affecting my creditworthiness, credit standing, credit capacity, character, reputation, and mode of living, as outlined under 15 U.S. Code 1681a, Definitions ; rules of construction, section ( d ). 

I have reviewed my consumer report from TransUnion and have identified the negative remarks that portray my financial behavior. That entry has hindered my ability to secure a mortgage loan, which is crucial for my financial stability and future. 

Despite my efforts to address this negative information directly with TransUnion, I have not seen any changes. Specifically, I have requested that these remarks be updated to reflect that the account is paid and closed. If TransUnion is unable or unwilling to make these changes, I believe that the negative remarks should be removed from my consumer report entirely, as they do not accurately represent my current financial standing. 


I urge the CFPB to investigate this matter and compel TransUnion to either update the remarks to " paid and closed '' or remove it from my credit report altogether. The continued presence of this negative entry is unjustly impacting my financial opportunities and overall quality of life. 

Thank you for your attention to this urgent matter. I appreciate your assistance and look forward to your response. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is incorrect on my Equifax credit report. I submitted a dispute on XX/XX/2021 online with my current drivers ' license that has my correct name on it. When my dispute was completed on XX/XX/2021 by the company, they asked me to provide a copy of my social security card. I mailed a copy of my social security card with the letter they sent me requesting said card. They have not sent me any further communication via mail, email, or phone regarding a dispute update. I have checked my online account and there is no change in my original dispute nor my name listed in my personal information. I expected this issue to be resolved easily with the documentation provided. I am concerned about future credit report access by potential mortgage lenders since we are hoping to purchase a house soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint about SageStream, a credit reporting agency. I have recently learned that a credit report from SageStream has adversely affected XXXX of my financial applications. SageStream has egregious requirements in order to view my own credit report from there including sending an excessive amount of personal information via insecure methods. This is completely unacceptable. If they want to be a proper credit reporting agency they should be forced to also be included as a company on the XXXX website. This information should be more easily accessible online.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX, AND I AM A VICTIM OF IDENTITY THEFT, I AM WRITING THIS TODAY BECAUSE I DESPERATELY NEED ASSISTANCE WITH THIS SERIOUS MATTER IN REGARDS TO IDENTITY THEFT, I AM RECENTLY NEW TO THE UNITED STATES AND I HAVE JUST RECENTLY DISCOVERED THAT SOMEONE HAS BEEN USING MY PERSNAL INFORMATION TO OBTAIN SERVICES AND GOODS USING MY IDENTITY AND FRAUDULENT ADDRESSES TO CAPTURE LOANS AND CREDIT CARDS WITHOUT MY CONSENT!. 
THAT BEING SAID I HAVE CONTACTED EXPERIAN CREDIT BUREU MANY TIMES AND THEY HAVE REFUSED TO HELP ME IN THIS MATTER AND DELTE ALL THE FRAUDULENT ADDRESSES FROM MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my daughter attempted to place an order from XXXX XXXX. She used my CashApp card to pay the total of {$13.00}. The order to XXXX did not go through but CashApp charged my card. I proceeded to the restaurant where the manager informed me that they did not have my order and since the charge was pending I should not be charged. Two days late CashApp charge was completed. I have now filed 4 disputes with CashApp. After the second denial from CashApp I contacted XXXX who indeed confirmed that the order did not go through and that I should not have been charged. I filed a third dispute with CashApp included the e-mail and was told that the dispute was denied because the merchant fulfilled their obligation. I have a clear email from the merchant that says that they did not provide me with any goods. I filed a 4th dispute which was also denied with the same reasoning. How do I get my refund? The merchant says they did not fulfill my order?
Product: Payday loan, title loan, or personal loan

Signed up for services, enrolled in autopay the following month. Auto pay was set by rep and was set after due date. I called them several times to confirm no fees were accruing and they assured me that there was nit. Upon the end of the loan term I learned I was being billed monthly for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

There are many inaccuracies within my consumer report. See enclosed attachments
Product: Debt collection

Portfolio Recovery continues to call spoofing different numbers to reach. I personally warn them to stop calling and yet they continue to call. 

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Product: Debt collection

In accordance with the fair credit reporting act 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 an account without my permission.
Product: Credit reporting or other personal consumer reports

This morning, I discovered some incorrect accounts on my credit report, and Im completely at a loss as to why theyre there. I regularly check my credit report, and its always been fine, but today, these inaccuracies appeared out of nowhere. I even refreshed my browser, hoping it was just some kind of glitch, but the incorrect accounts were still there. I urgently need the documents Ive submitted to be reviewed thoroughly so I can stop living with this constant worry.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results. 
3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXX XXXX XXXX XXXX.
Product: Debt collection

We pulled our credit report today and sa w Portfolio Recovery excessively pulled my credit report. A collection agency may only pull the credit one time a month. Portfolio recovery pulled my credit 6 time s in  XXXX    XXXX   sometimes just days apart damaging my credit. There have been other months they have pulled my credit more than once.     There have been harrassing phone calls to myself and wife for years sometimes multiple times a day despite us telling them to cease. They have called us during work hours on our cells phones causing problems and embarrassment at our places of employment.