23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Opened account - XX/XX/XXXX ACH Deposit - XX/XX/XXXX Suspended account - XX/XX/XXXX Closed account - XX/XX/XXXX Dates of attempts made to resolve issue with the company : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX This account had one deposit made via the SBA, which now I dont have access to and need to return back to them. The only action I ever took with this account was to update my phone number because initially the two step verification wasnt working but I was able to have that resolved with my mobile carrier. So the suspension of the account caught me completely off guard. I was adamant about not sending any documents via an unsecure email address. I value my privacy and my rights. Therefore I did refuse to send them the requested documents. Please keep in mind, this was prior to them closing the account and I made that clear. I would have no issue with it but they couldnt tell me why they were requesting this info or the reason for the account suspension. I believe it to be maniacal to demand something without providing adequate reasoning. I attempted calling but no one over the phone has any info and they say you must go through the chime support email. In doing so, I was told to refer to the member agreement. So I did, and I acted upon it. 

On XX/XX/XXXX, PRIOR to the closure of the account, i sent the following email : You all state the following in your member agreement also, which I have pasted below. You hide behind these clauses and unethical business practices so no formal action can be taken against you. Well the last part states, if you dont agree, do not use the account and get a refund. 

IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD OR SPENDING ACCOUNT. XXXX CLOSE THE SPENDING ACCOUNT AND REQUEST A REFUND, IF APPLICABLE. 

I have not used the account. The card was never activated and no transactions were made. If you continue to make this a hassle for me as a consumer, I would like to close the account and have a check mailed to me at my address of choice so that I know I will receive MY money. The postal service has been horrid and unreliable in many areas across the nation in an attempt to suppress voter participation. My mail does not come consistently. I need resolution to this matter. I cant continue to have my funds held up by you all over frivolous nonsense. 

Please not that the paragraph in all caps is within the arbitration clause this company has within their member agreement. I copied it from their site. Therefore I feel since I had not used to card or the account as it states, let alone activate it or make any transactions, they have no right to withold the funds and invade my privacy. But they did not respond to this request, which was sent 3 times by the way. BUT on XX/XX/XXXX emailed me and said the account was closed and isnt eligible for a refund. Again, no details was provided on why this decision was made. And since then I have been fighting to recover what theyve basically stolen from me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry on my credit report XXXX XXXXXXXX XXXX ( XX/XX/year> )
Product: Debt collection

XXXX XXXX XXXX has called numerous times and has been extremely hostile when we have been on the phone. I do n't know what debt they are trying to collect, and since I do n't have any outstanding debts I am concerned this may be a scam, so I refuse to give them any personal information over the phone. On XX/XX/XXXX I had a phone conversation with XXXX XXXX ( representative of the company ) where she became extremely aggressive and threatened to contact all my family members after I told her I did n't want to receive any more phone calls from her or her company. On XX/XX/XXXX I sent them a letter requesting validation of the debt. They received that letter on XX/XX/XXXX according to the USPS certified mail tracking. As of this date,XX/XX/XXXX they still have not sent me any response to my request for validation, yet they continue to call me repeatedly. On XX/XX/XXXX XXXX XXXX called again, so I informed her that they could not be contacting me because they had not validated the debt. She became extremely hostile and began yelling, made some claims that they had validated the debt and then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost i have been dealing with this issue for months now as while as numerous other problems with this company TransUnion have horrible customer service I have spoken with numerous of different customer service representative and supervisors with in this company and they all give me the same exact step to take in order to get these fraudulently items off. I have not apply for any of this items they say the investigated and I came back accurate once I fill a complaint but they have not provide with any results of an investigation. Tell these places to prove proof of identity that it like a copy of State identification card that is required in order to apply for any line of credit please conduct a proper investigate or remove theses fraudulent inquires!!! Then the response time always take more than 30 days very horrible customer service I have reached out to TransUnion numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 ; Account number XXXX has violated my rights. 

This agency has violated my federal rights under : 1. 15 U.S.C. 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies Subsections ( 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. 

2. 15 U.S.C 1681 : Congressional findings and statement of purpose Subsection ( A ) ( 4 ) : 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. 

3. 15 U.S.C 1681c - Requirements relating to information contained in consumer reports Subsection ( A ) ( 5 ) : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

4. 15 U.S. Code 1681c2 - Block of information resulting from identity theft Subsection ( A ) ( 1-4 ) : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of 1. appropriate proof of the identity of the consumer ; 2. a copy of an identity theft report ; 3. the identification of such information by the consumer ; and 4. a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX To whom it may concern, I was informed by your company ( XXXX ) that account number ( XXXX ) with XXXX XXXX was deleted from my credit report. 

I have now realized that this same item was REINSERTED onto my credit report! 

In accordance with the requirements of the FCRA SECTION611 ( 15 U.S.C 1681I ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertionin writing not later than 5 business days after the Reinsertionor, if authorized by the consumer for that purpose, by any other means available to the agency I have received no such notification, This is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately Delete this Account from my credit report in order to avoid legal action. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Fl XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I operate a XXXX XXXX XXXX, XXXX XXXX. I have used PayPal as an additional payment provider for a few months without issue. 

On Monday XX/XX/2020 PayPal sent me an email notifying me : " We've permanently limited your account ''. PayPal did not provide a specific reason but said they have determined I am in violation of PayPal 's Acceptable Use Policy - but again providing no detailed information. 

PayPal informs me that it will hold my balance of {$490.00} for 180 days. 

I attempted to request a review of this decision through the resolution center, but this option was not available to me. I have attempted to call PayPal several times without success. I have emailed PayPal several times, again without success. 

At this time, it seems impossible to actually get through to a human being at PayPal and I would simply like my balance returned to me. 

It is highly unethical for PayPal to withhold money that belongs to any business for 180 days. I understand that many people have and continue to experience this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX card has not updated my balance which is XXXX $ with the credit bureaus.
Product: Debt collection

This was opened by XXXX on XX/XX/2016 but I did have this service for over 2 years and when the account was closed I had no pending payments.
Product: Checking or savings account

I received an email on XX/XX/year> at XXXX stating that someone had set up an appointment for me to speak to XXXX XXXX XXXX at the XXXX XXXX  Citibank branch in XXXX DC regarding opening a new CD/Savings account. Upon reading this email and being located in CT with no charges or travel in the DC area for at least a year or XXXX, I tried to call the fraud department. A quick XXXX check would have confirmed no reason to think I needed to speak with a DC-based banker. 
I waited on their automated system for XXXX minutes before hanging up, unable to speak to a live person. At approximately XXXX minutes into my telephone hold, I logged into my account online to use the chat function. The representative confirmed that she would be unable to help me but will " take my feedback '', whatever that means, and said I would need to speak to the fraud team ... that I was already on hold with. I hung up from the call, and redialed the number, got through the automated system, only to be told by an automatic voice that there was no one to help me and I should call back another time. It then hung up on me. 
It is terribly frustrating and infuriating that I can not speak to a fraud representative when I am concerned about an ongoing fraud on my account and may not be able to stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue or concerns are with XXXX and Experian I have disputed information from both credit bureaus. I have followed the correct protocol for filing a dispute. I have written letter and filed online corespondents. And ultimately my results are still the same. In my letters I have asked that they provide me with physical documentation with my signature according to the FAIR TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a account. XXXX has removed the bankruptcy chapter XXXX dismissed from my account serval times and then put it back after the 30 days investigation which makes my credit score plumbed. They are receiving this information from a third party call XXXX XXXX Consumer. Every time the bankruptcy is removed and put back on my credit reports it looks like a new trade line and makes my credit score plumbed. The other disputes I have with both XXXX and Experian are with ( XXXX XXXX XXXXXXXX for {$740.00} AND XXXX XXXXXXXX XXXX for XXXX both are showing up as charge off on my credit files. I HAVE NOT RECEIVED PHYSICAL VERIFICATIONS OF THE ORIGINAL SIGNED CONTRACTS FROM ANY OF MY DISPUTES. Therefore they should be permanently removed from both my Experian and XXXX credit reports. I have been disputing this information since 2017.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status. 
According to the IRS, this is tax fraud and I am not afraid to report you for this. As is my right, I am demanding that you DELETE this inaccurate information from my credit report and demand you to send me a copy of the 1099-C to the address above or via email. 
Your agency has violated the maximum possible accuracy law under the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681e ( b ) as you are clearly reporting information that is NOT 100 % accurate. Should you continue to report this information, this leads to you violating 15 USC 1681s-2, because you now have reasonable cause to believe the information is inaccurate, so you would WILLFULLY continue to violate various federal laws by continuing to report this information thats harming my character.
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. 

I told XXXX, XXXX and Transunion to reinvestigate these accounts : Account : XXXX  # XXXX, Account name : XXXX XXXXr # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account Name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. See ATTACHED
Product: Debt collection

We have bought insurance on our property with our agent under a multipolicy discount ( my son and my mom have insurances on their houses or cars with the company ) and there was a leak in the bathroom pipes when we had snow inside the hosue, flooding the bathroom, bedroom carpet and the closet carpet. 
We filed a claim, and the agent and I spoke about it and he sent it to the XXXX. The XXXX told us to go ahead and contract the repair plumber and drywaller. We did not hear from them for days and the laborers stop the work until they are fully paid. 
The XXXX came back from vacation and told that the insurance contract that we had with the agent who resigned got refunded and terminated. And that another company took over, who is inside XXXX XXXX XXXX. 
The XXXX declined o pay the bill of the repair, and my mom has XXXX, and she got covid and I too, we had to be quarantined in our house and the smell by now was very strong and made us so sick. 
The insurance company did not even send someone to inspect the property at all and then when we called, they put a company by the name Mr COOPER as a payee and when we called them and gave our information, none of their loans matched my mother 's ( XXXX XXXX ) or my social security number ( XXXX XXXX XXXX ) and they told that they can not give information to us at all about this " debt '' because we are NOT in the loan, We called the title company escrow agent XXXX XXXX who closed on our home ( attorney escrow agent ) and he told us that the loan was probably done " in personality '' by the prior sellers after we closed on the loan. 
The bathroom repair costed XXXX and there is yet to replace the carpet that is moldy now and will affect our health and we do not have money to lend XXXX while they send an inspector to inspect our home. The claim was filed in XXXX, and it is almost 2 months now XX/XX/2022. I called the NM XXXX and told the agent I was going to file a complaint with the nm department of insurance because if the pipe burst inside the wall and lots of water rushed out and flooded the room, then it is due to a pipe damage covered under water damage, and all the consequences and damages stemmed from that. /all state then issued a refund of our policy and sent us back XXXX $ and cancelled our insurance to not pay the claim. 
They then retaliated and cancelled our insurance and returned our payment on our policy.
Product: Debt collection

Grant & Weber Inc out of XXXX NV is trying to collect a debt from CALIFORNIA on a Medical debt for XXXX XXXX XXXX XXXX which already was challenged and disputed for services never rendered this debt to believe after investigation someone using my name for XXXX XXXX XXXX XXXX never complied and or sent proof ( SIGNED AUTHORIZATION COPY FOR MEDICAL TREATMENT AND OR WAS NOT MY SIGNATURE OR ID ) Grant and Weber in the past and present has researched my name and credit profile and is soliciting so called past debt and purchasing bad uncollectible PAST DISPUTED DEBTS and calling and threatening to take legal action against me,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is purposefully reporting inaccurate information on our credit reports since are officially disputing both the amount that they state that we owe on New York Civil Court Index No XXXX, in complete, willful, and total violation of the federal Fair Credit Reporting Act ( " FCRA '' ). 

XXXX XXXX 's willful FCRA violation has been committed knowingly and recklessly. 

In this case we may receive actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages determined by the courts. 

Please urgently investigate and advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute for 4 accounts that were not correct on my credit report. The dispute stated that the accounts were verified so I asked for a method of verification. Instead of providing me with a method of verification, they opened another dispute which resulted in the same conclusion.
Product: Money transfer, virtual currency, or money service

Before I complained about, they still cant sell and buy anything in the coin base account, they want us to wait long time, I connect to them, talking to them, stills cant solve problems, so many people like me.
Product: Credit reporting or other personal consumer reports

In early XXXX I requested that this company provide verification from the court and removal of bankruptcy accounts from my report. The company has inaccurate information on my report still not provided any information from this request. According to them they are still investigating.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit report that I did not benefit from. I also have a collection from a fraudulent car company name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX. When I left with the vehicle off the lot the very next day my car XXXXXXXX XXXX XXXX  XXXX would not start, I than XXXX XXXX XXXX XXXX XXXX XXXX and advised them that my car isnt starting they asked me whats wrong and I told them I dont know. They then asked could I bring the car back to the car lot to try to jump it. I than asked someone to jump my car and drove it to the car lot. That is when I found out it needed a new starter. A few hours after I left the car lot. I drove out XXXX and thats when I noticed my car started accelerating and has a weird sound, I then pulled my car over to the side of the road turned my vehicle off and than notice that the car would not start again. The shop was close by that time and so I could not reach out to them. I then had to get a towing truck to help me get my car back home. I than spoke to the car lot company the next day and ask them if they can put me in another car. They then told me no, I then asked the company why couldnt they accommodate me on getting in another vehicle after only a week of having the car. I then told them I did not want the car anymore and requested give me back my money for the down payment I placed on the car and they refuse to do that. I then gave the car to a friend, who did not properly sign paperwork with the company or assume payments, leaving a bad debt in my name. I need this fraudulent account removed from my name immediately, or I will sue for civil action against the person and the company.
Product: Debt collection

ALLIED COLLECTION SERVICE ( 01 XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I Mobile Deposited a check from my Job with Chime because i did not want to wait a whole week for my next check. and They suggested i cash in the check While they cancel it. I ended up getting doubled paid and having to pay XXXX {$620.00}. And now im on the verge of losing my job due to a situation that wasnt my fault.