23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  XXXX XXXX A Original creditor 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am having problems with Equifax when my lender pulled my tri-merge ( all three reports ) Equifax indicates there is a Hit Level : Suppressed. I contacted Equifax yesterday to get this resolved and they said they did not suppress my report, they did not freeze the report etc., I was on the phone with them in total for over 2+ hours explained I could send them a copy of the report indicating they are suppressing it. I can not get anywhere with this company and my lender can not pull a true report without Equifax sending the information. This is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items that are currently on my credit report. After reviewing my report, I have identified several negative items that are inaccurate and should be removed immediately. The following is a list of these items : XXXX XXXX XXXX Account Number : XXXX I am confused as to why this account shows a payment history when it was charged off. Please delete this account from my credit report as soon as possible. 

XXXX  XXXX XXXX Account Number : XXXX  This account also shows a payment history when it was charged off. Please remove this account from my credit report immediately. 

U S DEPT OF EDXXXX Account Number : XXXX I have never had any business relationship with this company, so there is no way this account belongs to me. Please delete this account from my credit report right away. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX This address is not correct. Please remove it from my credit report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX This address is also not correct. Please remove it from my credit report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX This is not my name. Please remove it from my credit report immediately. 

I appreciate your prompt attention to this matter. Please let me know when these items have been removed from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without croviding any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) the account is accurate, without croviding any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) the account is accurate, without croviding any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. I want reported accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or credit management

Lexington Law Services never removed anything off my credit like they stated they would do
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I opened XXXX XXXX XXXX accounts totaling {$240000.00} with Bread Financials ( XXXX XXXX XXXX XXXX XXXX  ) 1. Before these CD accounts were opened or any service was provided, I did not receive any " account disclosures '' from Bread Financials, either via mail or email. 

2. At the time of account opening, I did not receive any " signed agreements with deposit terms and conditions '' or " disclosures on terms and conditions. '' 3. In XXXX XXXX, when I inquired with the institution about any potential early withdrawal penalties for the CDs, I was informed that I would need to pay a 1-year penalty to withdraw any money before maturity.

4. I notified the institution that I had not received both " disclosures '' and a " signed deposit agreement with full CD terms and conditions. '' 5. Further, I escalated the issue to the CEO of the institution via online customer service chat, requesting that they take full responsibility for failing to comply with required Consumer Acts and disclosure requirements before and during the opening of the CD deposit accounts. I also requested a waiver of the early withdrawal penalties.

6. However, on XX/XX/XXXX, XXXX days after my escalation, the institution notified me that it had suddenly suspended my CD accounts without providing valid reasons amid my complaints and escalation of the issues. See the full text message from the institution. 

7. As such, I have been deprived of my right to make an informed decision based on the institution 's full disclosure, as required by respective laws and regulations under Regulation DD and the CFPB XXXX XXXX XXXX XXXX Laws and Regulations. Therefore, I request that the institution take responsibility, at a minimum, by providing a full waiver of the early withdrawal penalties for those three CD accounts prior to maturity and resolving the escalated issue as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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: Debt collection

The company sold my debt to a third party mercantile. They pass the debt back and fourth. I have tried to contact regional and left voicemail in regards to dent but no response. The amount of debt is about {$4300.00}. The debt is sitting on my report without anyone to successfully talk to about it. When I dispute they advise to remain on my report with no additional contact information except for the number I have been calling.
Product: Debt collection

In XXXX of 2016, I fell 2 weeks Behind on my auto payment Of just over $ XXXX.Gateway One Begin calling me Relentlessly everyday Sometimes starting as early as XXXX.I informed the rep not to call before XXXX which they agreed to.In XXXX They started calling again At XXXX And XXXX.. I spoke with a manager who apologized And said it would not happen again.Now in XXXX The XXXX. calls Have started all over again For the third consecutive month.They have called me and no less than 10 times today, Sometimes Three calls within one minute.I answered the phone and ask to speak with a manager immediately But was told To call back if I wanted to speak with a manager and they hung up on me.My phone rings from XXXXTo XXXX.7 days a week From Gateway One XXXX.This starts after 7 days And continues until the payment is made. I have not had a 30-day late payment as of yet.
Product: Money transfer, virtual currency, or money service

I made a remittance transaction on XX/XX/2023 in the amount of $ XXXX to my son. This is not the 1st time that i made the remittance thru REMITLY and also not the 1st time that I encountered exactly the same problem situation. The original transsction number for this remittance was XXXX and was supposed to be in my beneficiary 's bank acct in minutes ( as Remitly 's promised time ) but to no avail. This prompted me to call Remitly to check what is happening again and said they will make a research on the problem. But i already complained to them that it's not the 1st time that same problem occured. They asked again for my beneficiary 's acct info. They said it will be resolved within 24 hrs. Eventually, I got a text message saying that the money has been deposited and delivered to my beneficiary 's acct and has been completed only to find out that up to this moment, the money has not yet been received and not even in the acct yet. And to my surprise, the transaction number has changed ( without them notifying me ). I called again Remitly and been pointing out their poor service conflicting with their promo ads that money will be received IN MINUTES. I mean, i send money almost everyday bec i have an ongoing project that needs to be completed and the money was supposed to pay for the labor, hence, it is crucial to have been received by the beneficiary bec they also need it for their family. What if the money is needed in extreme emergency case ( hopefully not between life and death )? What remittance service now can we rely to so that our hard earned $ $ $ reaches the beneficiary in the time that they needed it. Remitly 's promise was to resolve it, making research and etc etc. Their problem is their system. I pity the customer service agents bec they are the frontliners who absorb the anger of customers over the phone and when asked if I can speak to the supervisor, the latter doesnt take the call, instead they just instruct the agent what to tell the customer. Resolution offered by remitly today was compensation but I told them I dont need a compensation. I just need the remittance to be in my recipient 's acct! Nothing else! And by all means pls! REMITLY has to fix its XXXX system! This is really very upsetting! And not the first time that happened but several times already! I should have learned my lesson from last time 's problem. But what other remittance companies out there that can be RELIABLE and can provide excellent service to consumers? I request that this company be sanctioned for its poor service. Same situation I experienced from XXXX XXXX that is why I resorted to Remitly but these remittance companies are a joke! Promised time is a joke.
Product: Credit reporting or other personal consumer reports

I have pleaded to this company numerous times that this item is part of identity theft and is currently being investigated by law officials and they have purposely disobeyed my request to remove this account from my name. I have also asked for documentation and they also ignored that request. This company has blatantly violated my rights under FCRA 18 U.S. Code 1028A - Aggravated identity theft. 

Account # XXXX Open date XX/XX/year> Amount : {$7400.00} The credit bureaus have violated the following laws as well Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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.
Product: Money transfer, virtual currency, or money service

I had a Coinbase account where I purchased bit coin and where I also stored United state dollars. For some unknown reason, I received an email from Coinbase on XX/XX/XXXX stating that I violated their terms and my account would have to be closed without any detailed explanation. I am now trying to transfer out my remaining funds from Coinbase but am unable to link a bank account to complete the transfer. I have sent 2 separate emails to coin base with no response. All I wish to do is withdraw my money out of Coinbase but they are not helping, or telling me how to do it.
Product: Checking or savings account

The online account was closed by XXXX on XXXX  without prior notice. Upon contacting the the bank I was told for business and that no further explanation would be given. I requested the final balance be retuned to me at which point I was the funds {$120.00} would revert back to the institution they were sent from. I contacted them again a week later and my balance accordingly to the associate was 0 I told them I never received my funds at which point she repeats the same line repeatedly closed for business reasons Ive never had an experience like this and Id never use XXXX or any of it affiliates in the future
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX  my friend asked I would allow or her and a XXXX  dealer to come to my home and show me a demo with the XXXX  XXXX  ( air purifier ). To make a long story short. I filed out a paper credit application and got approved and I got verified over the phone with an financial company called XXXX XXXX. I was told if i referred 12 people who would allow me and the dealer to come to their home to do a demo with the machine I can get my machine for free. I had appt on XX/XX/XXXX  with a in-law and she loved the product and she did the credit application but she was denied and I was asked by the dealer and XXXX  dealer financial department if I would co-sign for her. I told both the dealer and her manager. So the dealer spoke with the customer and told her that she had other ways to get her approved so she can make her sale. The dealer asked me if the customer could use my phone number and email address since her screen was broken on her phone she said that she couldn't use her phone by her being the dealer that it has to be a different number so she can get her verified the dealer spoke on the phone with Belmont financial LLC company on the phone and the customer. I noticed Belmont financial on my credit several months later, the XXXX  dealer, manager used my old credit application I signed XX/XX/XXXX  for my machine. I never authorized anyone to use my credit and I never filed out an credit application XX/XX/XXXX  only the customer. I called the XXXX XXXX and was told my credit was ran on XX/XX/XXXX  for Belmont Financial LLC and XXXX XXXX but I was approved with both company but my machine was finance with XXXX XXXX not Belmont financial. I told them that my information was used fraudulently but I never got a responds back from the XXXX  company. I reached out to Belmont financial and the manger sent me a copy of the credit application that was used and a copy of the contract and said that the person who verified my information their voice sounded similar to mines I told her the account was open up without my permission and that I wanted the account removed from my credit but it became an argument because i told her to do her job and investigate their client XXXX  because they provided Belmont with an old credit application not me.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint regarding PayPal 's handling of my account and the withholding of {$5400.00} in available funds. 

On or around XX/XX/XXXX, I submitted all requested documentation and information about my business as required by PayPal for verification purposes. At that time, PayPal confirmed receipt of my submission and stated, " We're reviewing your information and will get back to you regarding the status of Ref ID : XXXX within 5 days. '' It has now been well over 5 days, and PayPal continues to hold my funds without any further communication or resolution. I have made every effort to comply with their requests and have received no explanation for the continued hold on my account. As a result, PayPal is effectively holding my funds XXXX, preventing me from accessing my money to support my business and meet my financial obligations. 

Thank you for your time and attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXXXXXX Balance : {$1200.00}
Product: Debt collection

The Advanced Recovery Group alleges they have been hired by a company to collect a debt from my company. They have sent text messages, called and left voicemails to third parties ( most recently XX/XX/year> ) unrelated to the alleged debt arising from the matter. None of these third parties have consented to receiving text messages or phone calls. These third parties are also family members. I have screenshots from of the texts from my family members that this Advanced Recovery Group sent.
Product: Credit reporting

I recently pulled my credit report and have found errors on the report. I have contacted the company several times through letters and phone calls to no avail. The FCRA states that the only permissible purpose for pulling credit is a ) a firm offer of credit b ) insurance c ) eployment d ) a court order. The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX. I have also requested that they update my address to my current address and they have not complied.
Product: Credit card

This phone caller continues to call my home phone number repeatedly regarding billing, products and collections. I have never had an account with said company nor have I applied with them yet they call my home phone repeatedly. Please have them comply with your recent Consent Order # XXXX. The number of the caller has been XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX  and XXXX  removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Equifax did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.