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

I am going to complaint about Remitly.com, is a worldwide online money transfer.Remitly, Inc. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, WA, XXXX ( XXXX ) XXXX www.remitly.com Unfortunately, this is first time I sent money online thru Remitly.com on XX/XX/2019 worth {$290.00} and it supposed to be delivered by XX/XX/2019 in XXXX, XXXX. But not deposited yet after 18 days going on. They charged from me more for Express Delivery.I talked with their customer service several times starting from XXXX XXXXXXXX 3 times,  chatted 2 times and emailed 1 time. From the very beginningthey are keep saying that they are investigating and still they didn't give me any positive response.It should be mentioned that by this time I sent them XXXX XXXX Bank Statement which shows that XXXX  didn't receive any amount yet.When last time on XX/XX/XXXX, I asked them to return my money back immediately otherwise I am going to complaint to the proper authority, they reply and asking for another 3 to 4 days.I am disappointed and requesting you to take the necessary steps asap to get my money back.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found multiple inaccuracies across several accounts. For example, XXXX XXXX incorrectly reported late payments for various months, including showing on-time payments alongside remarks of repossession. XXXX  XXXX also shows inaccurate late payments for XXXX and XX/XX/year>, and XXXX XXXX reported a debt without proper validation. 

I have requested Equifax to investigate these inaccuracies under 15 USC 1681i ( a ) ( 1 ) ( A ), and for XXXX XXXX, I am requesting validation of the debt under the FDCPA.

These items should be removed if they can not be verified within 30 days.
Product: Credit reporting or other personal consumer reports

Reached out to finance company in XXXX to let them know that this acct was a result of identity theft from 2012. Ive filed an FTC report because I couldnt get a copy of the report from my local authority ( time lapsed ). Ive also disputed this issue twice with XXXX and once with XXXX but each time its not in my favor
Product: Debt collection

TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT MIDLANDMCM XXXX MIDLANDMCM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLANDMCM XXXX MIDLANDMCM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications  and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

Avant has put my credit card on hold for two weeks now and I didnt get anything done on my account no letters no phone calls and they are holding me responsible for a minimum payment for the fraudulent charges and they are taking too long with the Investigation and I need to use my new credit card and move on ... and Im not getting anything better from customer service and Im slowly losing my patience ... and I would need a payment wavier or some kind of status on my investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Account showing incorrect balance. No update since XXXX XXXX. Contact institution as a courtesy to update my credit reports. Was told this is only down every 3 months or so for installment loan. I have significantly paid this loan down from {$10000.00} to just over {$5700.00}. Institution told me to file a dispute.
Product: Credit card

I contacted BoA several times via several forums, including cfpb to resolve the issue with XXXX. 

BoA now claims : " We requested, but didn't receive, information showing what you received is different than what you purchased '' Untrue : I sent very detailed letters on XX/XX/23, XX/XX/23, and XX/XX/23 via their message center portal and also via fax. 

They are very quick to close the claim - response received XX/XX/23, even though I was given until XX/XX/23 to respond. 

Again, XXXX cancelled my order ( proof attached ) and sent a letter that I need to get in touch with BoA ( proof attached ) to have the refund appear on my account. BoA keep refusing that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX letters to remove personal information from my credit report to Experian. 
XX/XX/XXXX tracking ID XXXX XX/XX/XXXX tracking ID XXXX According to the fair credit reporting act 15 UCS 1681. I have the right to privacy. Also according to 15 USC 6802 No financial institution is not supposed to share my information to a 3rd party people These are a clear violation of my federally protected rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a notice letter dated XX/XX/2021, I, XXXX XXXX XXXX, ( a " consumer '' ), did hereby provide written notice to TRANSUNION CONSUMER SOLUTIONS ( a " consumer reporting agency '' ) of a violation of my rights as defined by U.S.C. Title 15, Chapter 41, Subchapter III 1681b with written instruction to delete specific inaccurate and unlawful data furnished to my consumer report. The notice letter was sent via certified mail with confirmed receipt and courtesy copies provided via email to Transunion 's executive staff members with facts and law. As of today, XX/XX/2021, I have confirmed Transunion has not adhered to my written instruction and continues to furnish the data specified as impermissible to my consumer report. The Office of the Law Revision Counsel of the U.S. House of Representatives publishes and prepares the United States Code pursuant to Title 2, Section 285 and publicly furnishes U.S.C. TITLE 15, CHAPTER 41, SUBCHAPTER III, 1681b of Permissible purposes of consumer reports at us.house.gov where it clearly states ( 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.
Product: Debt collection

Original Creditor XXXX XXXX XXXX Collector is Radius Global the account was open XXXX XXXX the amount is for {$780.00} XXXX put in a fraud claim with XXXX and i also spoke to XXXX XXXX works as well as radius global i have no knowledge of this account please block and remove from my report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request to Cease XXXX and Remove Unauthorized Transactions from Credit Report Dear [ XXXX, TransUnion, XXXX I hope this message finds you well. My name is XXXX XXXX, and I am writing to address a pressing matter regarding unauthorized transactions that have been added to my credit report without prior notification or authorization. 
Also reading the itle 18 of the United States Code ( USC ), Section 241, is a federal statute that addresses conspiracies to deprive individuals of their constitutional rights under the color of law. In simpler terms, it makes it a federal offense for two or more persons to conspire to injure, oppress, threaten, or intimidate any person in the free exercise or enjoyment of any right or privilege secured to them by the Constitution or laws of the United States. 

Here 's a breakdown of the key points of USC Title 18, Section 241 : Upon reviewing my recent credit report, I was alarmed to discover that transactions from [ Specify the Transactions ] have been included without my consent or acknowledgment. This unauthorized activity not only violates consumer protection laws but also has a detrimental impact on my creditworthiness and financial stability. 

Under consumer law, it is imperative to adhere to regulations that safeguard individuals from unwarranted XXXX and unjust collection attempts. The inclusion of these unauthorized transactions constitutes a violation of my rights as a consumer, as there was no permissible purpose or engagement established for such actions. 

Furthermore, I must emphasize the adverse effects this unauthorized reporting has had on my credit approval process. The presence of these inaccuracies, specifically the charged-off accounts from [ XXXX, XXXX XXXX XXXX XXXX XXXX undermines my ability to obtain fair credit terms and opportunities. 

In light of these circumstances, I kindly request the following actions : Immediate removal of the unauthorized transactions associated with my account from all credit reporting agencies. 
Cease all collection attempts and communication regarding the disputed transactions. 
Provide written confirmation of the removal of said transactions and cessation of collection efforts. 
I urge you to address this matter with the utmost urgency and diligence to rectify the erroneous reporting and alleviate the undue stress and inconvenience it has caused. 

Please acknowledge receipt of this letter and provide a timeline for resolution of this matter. Your cooperation and prompt attention to this issue are greatly appreciated. 


Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX [
Product: Debt collection

Jefferson Capital Systems , LLC has been harassing me despite having paid them off already. I set up a payment plan and settled. I completely paid them off in XX/XX/2021, last week, they send me a letter stating I now owe {$50.00}. I called them and they told me I don't have a balance. I informed them of the letter, they then stated oh I do have a balance then. I asked why when they just told me initially I am paid in full. They began to ask me questions on when did I pay it off. I informed him the dates should be right there in his system since he just told me I had no balance at the beginning of the call. I asked for a supervisor and the agent laughed and put me on hold for over 5 mins. I called back and the same thing happened, I was told I have no balance, informed of the letter and again, all of a sudden now I do have a balance. Then the agent began talking about a debit for XXXX, I have never had any service of any kind with XXXX. I could barely get a word in, the agents kept cutting me off, raised their voices over mine. All I wanted was for the to validate this new " debit '' I owe. But they couldn't seem to answer any of my questions, explain anything, and would refuse to let me speak to a supervisor. These people are scammers and need to be looked into.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> Celsius Network LLC filed for XXXX  XXXX in bankruptcy court in XXXX New York. It allowed customers to stay with the company or to cash out of their cryptocurrency. I choose to cash out of this financial institution and was not aware they were affiliated with XXXX. This company has stolen cryptocurrency from me before and refuse to compensate the funds they've stolen. I was hoping that they overlooked my information. We were back at square one again where they just simply refuse to give me my money back on any of my accounts. They're response to me is I'm not the same person in the photos or it's not my passport. My passport doesn't match my identification so they will not honor my information. This company gave all those big corporations, small businesses, and their clients they favored their money back. I have been waiting for years for them to give me my money. I felt the same way giving my money to them. I just want my money back soon this year.
Product: Credit reporting or other personal consumer reports

This late payment isnt in line with my normal payment history. Please get rid of it and update my account right away.
Product: Credit reporting or other personal consumer reports

I am seeking your assistance to review accounts from companies that are inaccurately reporting late payments. After being laid off, I requested these late payments be forgiven, and they agreed, but they are still being reported as late. Despite contacting them, I have received no updates, leaving this as my final attempt for resolution.
Product: Credit reporting or other personal consumer reports

The inquiries from your company on my credit report are unauthorized and have been negatively affecting my credit score.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life.

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account # XXXX This account is listed as a collection/charged off account on my credit report but I have not recieved a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau service is reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are from the following companies : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I have sent two certified letters to the credit bureau and received no response at all. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a severe breach of my privacy rights. The credit bureau has failed to respond to my request to provide me with validation that I authorized these inquires. They also failed to remove the inquiries as requested. The credit bureau has violated the Fair Credit Reporting Act by not responding or taking either of these actions within 30 days of receipt of my certified letters. I am requesting that the credit bureau be investigated and that the inquiries be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I submitted three requests asking that my credit report reflect accurate information regarding late payments that are proctected by the CARES ACT during XXXX. The reportng agency and the furnisher did not correct of investigate dispute, an XXXX  automated systems was use and dispute was not investigated. 

This inaccurate reporting errors is hindering and causing a financial hardship.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct reasonable reinvestigation of dispute information on my credit report leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes these failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few issues on my credit file my name is XXXX XXXX XXXX, please delete the other variation of my name my name is listed wrong please correct. The following addresses are not mine please remove : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX I have some unverified accounts that I have never done business with these companies : XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX a # XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have  violated federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX I contacted the credit reporting company after reviewing my credit report. I noticed that there were various addresses on my report. I let the representative know that I had submitted a police report last XXXX in order to get several items removed from my credit as well as the various addresses removed. The representative continued to inform me that I was wrong about my information. The only address is the one I have had for years is this address. This is the address on my license. This is the address that my vehicle is registered to. This is the address my children leave home from school to and come back home to. This is the address my work and insurance documents come to. Please remove all addresses from my Experian report that is not the address stated on my license.