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

This is my seven endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXXBalance : {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you yet again regarding a persistent issue on my credit report concerning my XXXXXXXX XXXX XXXX  account. Despite my multiple previous letters, the error has not been rectified, and I must insist on your immediate attention to this matter. XXXX XXXX XXXX has confirmed that a mistake occurred due to an issue with their recording software, which resulted in my payments not being processed accurately. Consequently, my account has been inaccurately reported as delinquent. XXXXXXXX XXXX XXXX has acknowledged this error and has agreed to update the status of my account to reflect that it is open and never late. They have assured me that they have communicated this correction to all relevant credit reporting agencies. Despite this, the erroneous information remains on my credit report, unjustly affecting my credit score and financial standing. This is causing significant XXXX and potential financial XXXX, and it is imperative that this error be corrected without further delay. 

XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I opened a Discover account. I received my card and before I could activate it the account was closed I was told I would need to provide my tax returns via a document signed with XXXX  this document had no start date or end date the IRS said with this document any body could access my tax records for infinity at any given time. I attempted to contact Discover and was given the reason this was a business decision to get rid of the low life customers. This has impacted my credit score and reputation among by associates and bank and other lenders.
Product: Credit reporting or other personal consumer reports

I received the response to my complaint and I am unhappy. I have been violated as a consumer and all the company has to say is verified as accurate. I requested the method of verification and I also did not ask to verify these accounts. I reported that my rights were being violated and I was not provided any explanation about how USC 15681b have been violated. The following accounts need to be removed immediately. I did not ask for the accounts to be verified or validated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I keep getting calls from argon debt collection to my phone. I have had the number for 6 years and this company has been told that the person they are looking for has not had this phone number for that long. The have said they would not call again but called me the very next week. The company is in XXXX XXXX Nevada. Their address is XXXX XXXX  XXXX XXXX # XXXX and they do not stop calling even when threatened with legal action. I try blocking the calls but they get through. Please advise me what to do about this Im not the person they are looking for and are too lazy to track him down
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX reviewed my credit report and found the following item ( s ) to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months
Product: Credit reporting, credit repair services, or other personal consumer reports

They are fraudulent activities on my credit report. They are hard inquiry that are not mine. And I need it removed. The address that these inquiries are under is not my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified notices making self Lender aware that they are violating my " Consumer Rights '' under 15 U.S. Code 1681b - Permissible purposes of consumer reports and 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information. 

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW 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. 

I did not give XXXX XXXX written instruction to furnish any accounts on my consumer reports. 

Under XXXX XXXX, XXXX. Terms of Service ( Credit Reporting Services ), it states : " You understand that by accepting these Terms and Conditions you are providing written instructions to our third-party service provider, XXXX XXXX XXXX and its employees, agents, subsidiaries, affiliates, contractors, third party data providers, and all other credit reporting agencies under the Fair Credit Reporting Act ( FCRA ), as amended, including XXXX, XXXX, Equifax and affiliated entities, to access your credit files from each national credit reporting agency and to exchange information about you with each such national credit reporting agency in order to verify your identity and to provide the Services to you. 

I gave self lender permission to access my consumer reports in order to verify my identity and to provide the Services to me as per their Terms of Service! 

Furthermore, 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information, The language of the law states : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

At the time this Self Lender credit account was opened, I was never given a nondisclosure notice explaining how to exercise my rights according to the above law to OPT OUT of having this account reported to the Consumer Reporting Agencies. 

Self Lender has caused me finical damages due to their negligence of not following the law and refusal to DELETE the following accounts ( XXXX XXXX XXXX XXXX ACCOUNT # XXXX ) & XXXX XXXX XXXX XXXX XXXX : LOAN # XXXX, ACCOUNT # XXXX ) from my Consumer Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has assumed its vital role pursuant to 15 USC 1681 ( a ) ( 3 ). Equifax has not been exercising its grave responsibility with fairness, impartiality, and respect for my consumer right to privacy pursuant to 15 USC 1681 ( a ) ( 3 ). Equifax has not used reasonable procedures in a manner that is fair and equitable to me as a consumer pursuant to 15 USC 1681 ( b ). I want all accounts and inquiries deleted from my consumer report IMMEDIATELY pursuant to 15 USC 1681b ( a ) ( 2 ).
Product: Checking or savings account

USAA refuses to deposit tax return check for {$41.00} and change. ATM will not accept the deposit. Closed branch in XX/XX/XXXX with no nearby branch for hundreds of miles. App does n't work. Same problem had in the past and they ca n't fix it. Requested 2x of 2 hour windows to call and they could n't do it, stated they were busy when calling 45 min or more later. Took photo as requested. Completely readable. Refused to deposit.
Product: Credit card or prepaid card

I had 5 accounts, one credit card, two checking accounts and two savings accounts closed on me by TD Bank without explanation. The account closure letter was dated XX/XX/2020. 

It is interesting to note that the letter from TD mentioned only one of my credit cards with them ( a " XXXX XXXX  '' card ) completely, ignoring my other three personal accounts with TD. 

I called the phone number on the account closure letter ; it went straight to an answering machine. The message said to leave a phone number, which I did. A gentleman called me back and told me that they had the right to close my account and didn't owe me an explanation. I then pointed out to him that the closure letter itself said that if " any of the accounts referenced above are a credit card account, please note that the Federal Equal Credit Opportunity Act, you have a right to request, within 60 days of receipt of this letter, additional information about the reason for your account closure ''. He then told me I would have to send that request in writing. 

Within a day or so, I could no longer access or view my checking accounts, online. I went down to the branch in XXXX, NJ, where I normally do my banking and spoke to the manager, XXXX. He was most unhelpful and basically shrugged his shoulders and told me it was out of his hands and he could do nothing about it. I was puzzled as to why TD wanted to drop five accounts with close to XXXX XXXX dollars in assets. I then spent another hour or so in the bank getting checks made out to me for the balances in my accounts, so that I could take those monies and deposit the elsewhere in the day or two before the expected shutdowns in NJ, rather than wait for the money to arrive by mail in a week or two. 

I subsequently sent my letter to TD Bank on XX/XX/XXXX, requesting the reason ( s ) for the account closure. 

I never received anything back from TD, in writing. 

On XX/XX/XXXX, I received a phone message from a XXXX XXXX, who is a TD Branch Manager in XXXX ( the branch where I originally opened one savings and one checking account ). He left an email address to contact him back. i subsequently emailed him on XX/XX/XXXX, asking him to contact me. After several more emails, he finally called me on XX/XX/XXXX. During that phone conversation, he basically told me he had no idea why the account was closed but said " they probably did not like some of the transactions you made ''. He then ASKED ME if I knew of any reason that his bank would want to close my accounts. I told him that I did not. He then told me that it was strange, and he would look into it and get back to me. He never did. 

I also wish to point out that the initial account closure letter was dated XX/XX/2020 and stated, " We're closing your TD Bank account ( s ) on XX/XX/2020 ''. Thinking that it was safe to use my accounts till the XXXX, I made two credit card payments on my wife 's credit card bills. one was returned on XX/XX/XXXX and one was returned on XX/XX/XXXX. As a result of these returned payments, my wife 's credit score dropped 45 points, from XXXX to XXXX!
Product: Money transfer, virtual currency, or money service

i used the service of a company name Remitly and requested a transfer on XX/XX/XXXX of Usd XXXX, the website said that the money will be available XX/XX/XXXX. On XX/XX/XXXX i called because the website changed from available to IN PROGRESS, I was told that the bank is trying to contact the person but no answer. This is not correct, nobody has trying to call the person or contact. 

they said that they will try but not gurantee. At this point i said if they can't process the transfer i want my money back and they said that i need to do a refund process and it can take day or weeks. This is not acceptable since they use my money and have stayed with the money for more than a week. 

I have used their services in the past and always is something. The previous times the person received less money i sent an email but they never responded.
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. 

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 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 XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 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: Student loan

I applied for a consolidation of my school loans and the income contingent repayment plan with the federal government in XXXX XXXX. My application for consolidation was approved XX/XX/XXXX and I was paired with Fedloan Servicing as my loan servicer. However, I was never informed that I had been approved for the ICR plan by Fedloan Servicing nor did I receive a bill for my first payment under the ICR plan. My understanding was that my application for the ICR plan was still be reviewed. By XX/XX/XXXX, I still had not heard back and as a result, I put my school loans in forebearance, since my monthly payments exceeded my monthly income. At no point for an entire year was I contacted during that time to let me know that I was accepted into the ICR or what my monthly payment was under that plan. Thus, by XX/XX/XXXX at the end of my forbearance period, I reapplied for the ICR plan, at which time, I immediately began repayment. Fedloan servicing admits they can not find the letter in my paperless inbox. In addition, I received an email after the time that Fedloan servicing said I was approved for that plan, that they were still waiting to hear from my to apply for a consolidation. This lead me to believe that my loan application for ICR still had not been completed. The interest that accured during this forebearance was {$25000.00}, which has since been capitalized onto my loan. 
In addition, another {$25000.00} was capitalized on my loan in XX/XX/XXXX for a reason that Fedloan servicing can not explain. I was given XXXX different reasons why it capitalized, and every time a reason was refuted, they came up with a new reason. 
Fedloan servicing gives incorrect information or no information at all, resulting in decisions that cost borrower tens of thousands of dollars. My school loans are currently over $ XXXX- {$50000.00} of which resulted from Fedloan servicing and their ineptitude. 
I am not borrower looking to get away with not paying my loans, I am a borrower who wants to pay what she truly owes, not inflated amounts resulting from a third party. Fedloan servicing has an obligation to keep the borrowers informed. Failing to let a me know that I had been approved for a repayment plan for an entire year is unacceptable. The student loan crisis is in no doubt partially due to loan servicers not providing borrowers with the information needed to make responsible decisions. They read from screens and ca n't answer any questions that deviate from their prompts. PLEASE DO SOMETHING ABOUT THIS. THEIR MISTAKE COST ME {$50000.00} PLUS 20 YEARS OF INTEREST AT 7.25 %!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

NC Financial should not be reporting XXXX and TXXXX  a collection/chargeoff in the amount of {$11000.00} on the NCFINANCIAL Loan # : XXXX Account ID : XXXX partial account number XXXX. ( Please see page attached from my credit report. ) NC Financial is charging an in illegal interest rate. Per the National Law Center, the cap percentage rate on a loan in Utah is 25 % which is where the loan originated from. NC Financial is charging 64.60 %. This is egregious predatory lending to say the least! The past due balance is much higher than the original balance. This account should not even be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. The false reporting is seriously harming my credit score. I have contacted the bureaus as well as NC Financial to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

For Experian, XXXX and XXXX XXXX Correctly reporting individual and total credit limit and balance figures for revolving accounts. However, falsely reporting utilization ratios for totals as 100 % when well under 50 %, in turn causing false credit score reporting. 

Duplicate of previously submitted complaint that Experian attempted to refuse to cooperate with the CFPB on Response is required by law, with both criminal and civil penalties applicable for continues refusal by Experian to respond or cooperate
Product: Debt collection

In late XXXX XX/XX/2021, I was alerted to a negative remark on my credit files with the XXXX bureaus. I reviewed the reports and discovered that a company by the name of " Sunrise Credit Services '' had put a derogatory remarks that I owed them a debt. They are a debt collection agency. 
After much trouble, I was able to contact them over the phone to find out what the debt was about. This was on XX/XX/2021. They informed me that I had debt from XXXX XXXX XXXX ( which I do not recognize ). When I asked why they never contacted me before, the Sunrise representative informed me that they had been sending letters. When I inquired what address they have on file, it turned out to be an incorrect address!! 
I gave the representative the correct mailing address and email address to share with me the information about the debt and the process to dispute the same. 
They have not shared this information with me to this date XXXX almost 2 months XXXX, but now keep sending me " debt settlement '' plans via email. I am attaching this document with complaint as this is the only reference I have. 
The derogatory remark is still on my credit files and I need to get this resolved asap.
Product: Money transfer, virtual currency, or money service

I invested {$1500.00} with Webull and maintained the account for over a year. To my surprise, Webull unilaterally transferred my account to Webull Pay without clear communication or consent. Since this transfer, I have been unable to navigate my account or execute basic actions like buying or selling stocks.

Adding to my frustration, I can not find any direct way to communicate with Webull Pay for assistance in resolving this issue. This lack of transparency and customer support has left me unable to access or manage my investment. 

I am seeking urgent intervention from Consumer Financial Protection Bureau to help me regain access to my account and funds. I believe Webulls actions and lack of support constitute a significant failure of their fiduciary and customer service responsibilities.
Product: Debt collection

I don't recall having a contractual relationship with this CKS PRIME INVESTMENTS Account Number : XXXX.
Product: Debt collection

Debt Management PartnersXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXXXXXXHad a man call me by the name of XXXX XXXX claiming he was a detective and I owed on a payday loan for XXXX XXXX XXXX claiming that I had missed a civil suit court date today and that if I I did n't pay the amount owed he would have the bench warrant executed and I would be taken to jail. He said I needed to pay what was due today which was a little more than XXXX dollars or I would be taken to jail until they give me another court date. Threatened wage garnishment and my license being suspended and when I told him I had no money due to my situation he said I need to borrow money for a down payment or I would go to jail. I was never even served with any type of lawsuit. I honestly felt so scared and had no idea what to think but when I get off the phone with him I reversed the telephone number and it went to an XXXX XXXX XXXX I believe and saw many reveiws claiming it was a scam. I then filed a complaint against XXXX XXXX XXXX who responded saying that the debt was sold to this companyHad a man call me claiming he was a detective and I owed on a payday loan for XXXX XXXX XXXX claiming that I had missed a civil suit court date today and that if I I did n't pay the amount owed he would have the bench warrant executed and I would be taken to jail. He said I needed to pay what was due today which was a little more than XXXX dollars or I would be taken to jail until they give me another court date. Threatened wage garnishment and my license being suspended and when I told him I had no money due to my situation he said I need to borrow money for a down payment or I would go to jail. I was never even served with any type of lawsuit. I honestly felt so scared and had no idea what to think but when I get off the phone with him I reversed the telephone number and it went to an XXXX XXXX XXXX I believe and saw many reveiws claiming it was a scam. I then filed a complaint with XXXX XXXX XXXX who stated that they sold the debtDebt Management PartnersXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXX