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

I signed on with Transunion credit monitoring service months ago back in 2020. I signed up for a month-to-month subscription. After one month of using their service and paying the fee that they charge for this service, I have tried numerous times to end it. I have made phone calls, sent emails, and spoke via text chat with their support personnel. They billed me a few times because they would send the bill thru to my checking account over and over and over again until eventually, I had to disable my debit card, 2 times now, just to stop them from billing me. There is no way for me to end this subscription on their website even tho there is a law in place for California residents to be able to quickly end a subscription. Now when I log in, I am greeted with the same billing page asking me to enter a new credit card. If I click away from it to see my account profile, everything is blank. I can not file a dispute, I can not even see what is on my credit report. A few months back it was extremely important that I get a credit report. so I paid the fee for the credit monitoring service and like magic, I could access my credit profile on TransUnion. When I stopped paying the service initially, I was immediately hit with a 60+ reduction on my credit score. and still to this day they have reduced my credit score repeatedly for erroneous items such as - too many new credit accounts ( I have 3 ). Or when I pay off a loan I got just to build my credit, they reduced my credit score by 12points saying my available credit was reduced. They have also fraudulently reported increases in my student loans thereby reducing my XXXXredit score again. I have an open complaint with you folks on that already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware of a erroneous derogatory mark being reported from XXXX. chexsystems is showing a paid off and settled in full and its been over 5 years ago. I was unable to open a checking account with a local bank because of this report.
Product: Money transfer, virtual currency, or money service

So I was selling an item online and the buyer was asking me to use zelle so I proceeded to use whats best for the buyer little did I know things were a little off but I wanted to sell my product they buyer sent money to my zelle account then I receive an email saying that zelle is holding my funds when then it made me do steps to get my full asking price XXXX $ it said I had to send the buyer XXXX $ then I did but after 1-3 hours went by I checked my account nothing I then replied to the person then texting me step by step saying their servers were down. Then I thought oh Ill check when I get up to see if its there nope it wasnt then I was upset so I called my bank they said they couldnt do anything same thing with zelle I just want my money back and to never use either my bank I have now and zelle because they do not even come close to good care for anyone and I work hard for all the money I have and for me to be taken advantage of then none of the sources I used helped at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review new information ( attached ) related to my dispute of XXXX account # XXXX Please delete this fraud account asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint informing the Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Bureaus are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 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. Pursuant of the FCRA section 605b, I am requesting that the Credit Bureaus remove the following disputed items completely from my Credit Report : 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 XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

XXXX Bank purchased my credit card debt from XXXX. 

XXXX told me that a sheriff was going to come to my home and work to arrest me for my debt in 2019. I did not know that they were not allowed to do this so I am reporting it now. 

My debt was settled in 2019 however XXXX sold my debt to Dynamic Recovery Solutions and now Dynamic Recovery Solutions is calling my brother for window processing? 

This open account is also on my XXXX credit report. This account has been closed for 3 years this is affecting my credit score.
Product: Money transfer, virtual currency, or money service

I received an email XX/XX/XXXX from PayPal saying my account has permanently been limited. A week later, i received the same notice from Venmo, which is owned by PayPal. I was told my account violated the acceptable use policy and was asked to please remove the PayPal logo and payment option from my website. I do not operate a business through my PayPal or Venmo account. I am just a consumer utilizing both. I called PayPal on XX/XX/XXXX and asked customer service to please review this action, and opened up a claim online. Both PayPal and Venmo customer service have repeatedly sent me template emails since then and have not specified what if any transactions or otherwise actions taken have violated the agreement. I spoke to the security & fraud department on Thursday XX/XX/XXXX via phone, and they provided me zero information, and were not willing to investigate the permanent limitation or cooperate with me in anyway. They were extremely rude in conversation and also left me on hold for over an hour, and did not facilitate speaking to a manager promptly. They have told me I will receive my money from my PayPal & Venmo accounts 6 months from now. This is not acceptable, and I would like the CFPB to get the company to provide a legitimate response and to immediately make this right. I feel that my access to my money has been wrongly limited, Ive been denied using my accounts and have not been provided the least bit substantial information as to why this happened or any ability to protest and reverse this process. I really need some kind of help with this matter, thank you.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX  XX/XX/XXXX , XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX , XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX , XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX , XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX , XXXX - XX/XX/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 XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX
Product: Bank account or service

I have a secured credit card with USAA. Secured by a Certificate of Deposit for {$3000.00}. For the past three months when attempting to pay on my account I have learned that even though the credit card account is secured, if I pay the the balance in full utilizing XXXX different checking accounts, the payments will be held for an additional 7 or eight days. I paid {$840.00} on XXXX XXXX, 2016, that payment was placed on a 7 to 8 day hold. I made another payment on XXXX XXXX for another {$800.00} plus and that payment is now on hold for XXXX to 8 days. 
When I first started to notice this happening I called and was told that one of payments was returned and that was the reason, the payments were being put on hold. I was also told that was to be for 3 months. Even though the credit is secured by a CD. 
Then I have an unsecured credit card and pay it the very same way and the payments are applied immediately to the account even though the payments may or may not be paid by XXXX different accounts. 
This is a major concern to me because we expected USAA to be Veteran friendly as it advertises. In addition, we have home owners insurance, flood insurance and vehicle insurance with this company.
Product: Student loan

I am a co-signer on my daughters  XXXX  student loans.   She is an unemployed   XXXX   XXXX  r. I am out on a   XXXX   leave so I do not have a income. I have filed for bankruptcy.   I am harassed consistently by calls and mail stating  XXXX  will help with a payment plan ... but they request months worth of checking acct. statements, months of paycheck stubs and other private information. They even check my credit report with out my authorization.   The worst is on  XXXX   XXXX ,   XXXX    XXXX   XXXX  @  XXXX   XXXX  called a real state agent we WERE trying to sell a home through. The home is in Foreclosure. Can they do that!! Call and harass a realtor for my personnel info??
Product: Credit card or prepaid card

I have had this capital one credit card for over 7 months, each time I ask for a credit increase it has denied me. I called and asked if I can speak with the reconsideration department due to all my credit card limits are over XXXX I'm trying to understand why I would have a {$300.00} credit limit. The senior Customer Service rep was so carefree and not interested in my concerns, she advised its nothing that can be done and that managers do not take calls that she was it. She also advised filing the XXXX XXXX XXXX. When I asked about filing a complaint on her customer service provided, she advised I need to hang up and call back. I am very disappointed in the level of service I received with XXXX employee # XXXX. Leadership showed no customer service at a time where they can make a different.
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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 card or prepaid card

I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Product: Credit card or prepaid card

On XX/XX/XXXX, Discover decreased my credit limit significantly, and the reasons on the letter seem inaccurate and misleading. I called their Credit Operations team and inquired about the erroneous information and was told the credit reporting came from XXXX. I advised there is no collections on my account and after investigation from the representative they confirmed the same so he proceeded to attempt to reinstatement my credit limits to what they were before this change, but was not able to do so. Instead, he advised another set of generic reasons for the decline, my " credit to debt ratio is too high ''. I would like to have this issue rectified as this has likely not happened to only me before. I work hard to keep my accounts and reporting in good order. It is not fair that the mistake should be kept in place. I asked the representative of Discover for the credit report ID number so I can discuss with the credit reporting agency and I was told that info does not exist. Furthermore, the company does a poor job with their reasoning for adverse actions. In the past when asking for credit limit in increases, I get generic reasons such as " inexperience with current credit limit or history of the current account ( s ) '' in which means I would have some kind of negative history with my account, but when I call and inquire about these reasons I am told it is based on " several '' factors and that is just one. To me this is not fair or appropriate if it results in adverse decisioning.
Product: Debt collection

The week on XX/XX/XXXX I sent a letter to the credit bureaus to dispute XXXX XXXX and I recieved a letter from XXXX on XX/XX/XXXX saying who they are and that they were collecting a debt so I sent a letter for them to fill out and validate this debt but they fail to do so. They reported to my credit file " Sisputed by consumers meet FCRA Requirements but they never validated for me.
Product: Debt collection

I tried to contact IQ Data International via express mail. The first round I sent on XXXX via mail. I never got a response back. I then sent another letter via USPS express mail on XX/XX/2023. As of today XX/XX/2023. I never got a response back validating the debt that I sent to them. Informing them to validate the debt that they accused me of owing then they decided to add fees to the debt and continue to contact me via phone. After I sent out several letters and telling them to contact via mail they have on file. They never got back to me. After I sent the letter via mail they immediately put it on my credit report falsely accusing me of owing or misleading stating that I owed money they never sent me any correspondence back in regards to my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file disputes in XXXX of this year and i still have not received anything from them. 
Attached are my disputes letters.
Product: Credit card

I canceled this order with XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX. Since XX/XX/XXXX, the salesman XXXX XXXX XXXX, nor the managing partner XXXX XXXX have retuned my call or took any action to remove this $ XXXX charge from my accounts. I notified Synchrony Bank this was a fraudulent transaction on XX/XX/XXXX, and informed them I did not authorize this charge to Synchrony account XXXX. I requested they close this account. Months later they reverse the charge from XXXX citing that the flooring had an invoice for the charge and opened Sychrony. Account XXXX. Since XX/XX/XXXX the salesman XXXX nor the Managing Partner XXXX XXXX have returned my call or took any action to remove this charge. 
I did not authorize XXXX XXXX  to charge any of the above accounts for {$25000.00} on XX/XX/XXXX. I did not receive any material or services from XXXX XXXX in XXXX. I merely received a quote from the salesman XXXX XXXX I requested he remove the charge when I receive a notice form Sychrony Bank for $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

- I have been using BinanceUS exchange for over a year - On XX/XX/2021 I completed the advanced identity verification process and received positive confirmation via email from Binance US. 
- On XX/XX/XXXX, my ability to trade and withdraw my funds XXXX tens of thousands ) was frozen. Binance claimed I needed to verify my identity to regain access, which I already did on XX/XX/XXXX. However, I was not able to resubmit my identity verification request because the system knew that I had already done this. So basically, it was asking me to verify my identity without giving me an option to actually do this - On XX/XX/XXXX, I raised a ticket to notify Binance of this issue. I was told I would hear back within 15 days. 
- After 15 days, the Binance US website states to fill out another form to let them know you are still pending a response. I filled out this form and received no response. 
- On XX/XX/XXXX I tweeted at the Binance US help desk. I received a response from them stating that I would receive an email from support. 
- On XX/XX/XXXX I received an email stating " This particular issue is due to a recent verification update and we are currently working to resolve the discrepancy. I have escalated your issue to our onboarding department for manual review and will be sure to reach out to you as soon as we hear back. '' - I have followed up multiple times since this email but I have not received any additional information or communication - I need access to these funds to pay bills and fund my daily activities
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying my home. delivers documents to only three types of home loan agencies. one is XXXX XXXX XXXX, Navyfederal and XXXX XXXX  XXXX. Note in my XXXX application that I have had several exaggerated credit inquiries, and which because of this have affected my credit history. from having XXXX now I have a total of less than XXXX credit points. talk to them and they deny misusing the report. I want to open a thorough investigation and reach the final consequences on who they were and punish the guilty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to delete or remove the items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the letters sent last XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The following items are listed below that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had my account closed today, I reached out to chime to see what happened I recently used my card at the store yesterday everything was fine, now all of a sudden my account was closed today and when I reached out to find out what caused my account to be closed I was told I went against their policy but when I asked what exactly happened that went against their policies because I was just using my card, I was informed that they couldnt provide any further information and my account will be closed permanently and I still had money inside the account, usually with these types of situations I know am I supposed to receive full details about why my account was being closed, this is the first bank account I dealt with that couldnt provide full details when something like this happens.
Product: Prepaid card

I received a {$50.00} Vanilla Visa gift card on XX/XX/XXXX. When I tried to use it I was told it was already used on XX/XX/XXXX. I wrote to the company and filed a dispute and they said it has been used through a XXXX account. I do have a copy of the XXXX  summery on the date & time it was used and a name of a company that does not exist. There is nothing else they can do. I am getting nowhere with this information.
Product: Debt collection

I am not responsible for this bill. This bill is from XXXX and I never go there is always go to XXXX hospital. When I had my kids I went to XXXX. So I 'm not sure how they even got my information. And if I took my kids there which I do n't recall they had XXXX that paid they bill. I will like for this bill to be closed and deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. the credit bureaus has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. The credit bureaus failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809