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

On XXXX XXXX, 2023 I received an email letting me know my account was frozen. I tried to log into my account and found that indeed I couldn't get in. I called the bank to try to fix the problems and had to wait literally two hours to get in contact with a representative. The representative verified it was really me by using the information I'd given the bank when I created the account ( passcode, address, ssn, etc ). He didn't unfreeze my account and instead gave me BMO Alto 's " backoffice number. '' I called the number and no one was available and their voicemail box was full. Now my {$900.00} are stuck in an account with a bank I've become highly suspicious of. I checked the internet for others with experiences like mine with this bank and I found a case of someone losing {$60000.00} just like I've lost my {$900.00}. I'm so grateful I didn't have {$60000.00} in my account, but {$900.00} is still money I worked hard for and don't enjoy losing this senselessly. I've really learned my lesson about not trusting the internet for bank recommendations. What a disaster!!! I'm so, but so upset!!!
Product: Credit reporting or other personal consumer reports

I am a victim of XX/XX/XXXXof Debt bondage and would like for all listed accounts to be blocked and removed from my credit : XXXX {$330.00} XXXX remove acct XX/XX/XXXX {$1400.00} XXXX remove acct XX/XX/XXXX{$1200.00} XXXX remove acct XX/XX/XXXXXXXX remove inquiry XXXX XXXX remove inquiry XXXX XXXX XXXX remove inquiry XXXX XXXX remove inquiry
Product: Vehicle loan or lease

I sign a contract for a auto loan with Credit Acceptance that had 22.9 % interest and hidden fees that were over Louisiana usury limits on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed that, for the third time, a fraudulent account was still appearing, I have tried before to get this deleted. It's not mine. 

I command you to delete the accounts listed below : Account XXXX : XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law, 15 U.S. Code 1681XXXX in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Bank account or service

I asked my bank, JP Morgan Chase & Co to close my deposit accounts, and open new ones because of Identity Theft I was dealing with, and suspicious charges posting to the accounts. When the bank never did this, I disputed certain charges made with the XXXX Debit Card associated with the account, which is a common and encouraged practice. The company subsequently, retaliated against me, and closed my accounts, saying I was at fault, despite my previous attempts to fix the situation. I have credit accounts with the company which have always been in perfect standing, and was a valued Private Bank customer, until this incident, which I believe was not appropriately dealt with despite my efforts. Now I am listed with my banker to not open deposit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday  XXXX / XXXX /  XXXX   I spoke to  XXXX   XXXX  about a payment postpone ment ( piggyback ) a nd they agreed to do it. I asked several times about the effect it would have on my credit score. The consultant assured me that my credit score would not be harmed in any way. Today  XXXX / XXXX /  XXXX   I checked my credit score and the company has indeed gone back on their word and reported the payment as a 30 day late. I am now going to file bankruptcy because of the incorrect information I was given on a recorded call. This has effected my credit in such a manner that makes it impossible to fix the situation at hand. The spiral effect that is about to incur is the fault entirely of  XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

I have notified XXXX, Transunion XXXX XXXX MULTIPLE times stating that this is NOT MY ACCOUNT and it still remains on my credit report. I have submitted a complaint to CFPB, FTC & my state attorney general. I have attached those complaints here. 

In addition, CFPB filed a lawsuit against XXXX proving their deceptive business practices. I have attached that lawsuit here. I too am a victim of these deceptive business practices and fraudulent accounts not being removed from my credit report. Please remove ASAP. 

Transunion and XXXX are in VIOLATION of 15 U.S. Code S 1681c-2. " 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 identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY. 

XXXX has already removed this account from my report as they know it is not mine. Please remove ASAP.
Product: Money transfer, virtual currency, or money service

I saved a large sum of money {$15000.00} in Gemini Earn Program. Its a cryptocurrency lending platform. They promised about 8 % APY, and they advertised that they build their business on trust. 

I initiated the action to redeem the funds on XX/XX/XXXX. Their service agreements said well need to wait for up to five business days to access funds, so I waited until the promised date XX/XX/XXXX. But now it is two days past due but the funds arent accessible to me still. Its still pending. 

I tried to contact Gemini through email. They only reply with a general format email saying that theyre aware of this problem since XX/XX/XXXX, but theres no updates since then. 

Im really afraid that I might lose my life savings to them. How can I get my money back?
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with XXXX nexis and per XXXX nexus letter attached had the incorrect bankruptcies removed from my XXXX nexus report. I've called 3 times and spoke to someone. Was even sent a letter verifying removed and advised by lexis nexis to send to credit bureau to have removed. They have a verified account and unverified account with this info. They removed from verified account and claim they are working on the unverified account I received letter advising info deleted in XXXX but still has not been deleted from both there verified and unverified account info
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  these accounts DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX and US DEPARTMENT OF EDU 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX has violated my rights by : 15 U.S.C 1681 Section 602A : states I have a right to privacy. 

15 U.S.C 1681 Section 604A section 2 : states a consumer reporting agency can not furnish account information without my written consent or instructions. 

15 U.S.C 166b A : states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

15 U.S.C 1692C : states a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C 1692G : states debt collector will obtain verification of the debt or copy of judgment against consumer and will be mailed to the consumer by the debt collector, at the consumer 's written request. 

I have no knowledge of this alleged account and request extensive proof of debt. This is an FCRA 15 U.S.C 1681 602A, 604A, 166bA, 1692C, and 1692G violation. Proper consumer practices were not adhered to and proper notification was not complied with either. Please REMOVE immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed a depute with Experian I was told there the results of the report were in I have been trying to get the results but I have been told the results are not available XXXX
Product: Credit reporting or other personal consumer reports

Im writing to file a formal complaint against XXXX a consumer reporting agencyfor their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously delited material into my credit report. I sent a letter to XXXX notifying them of the reinsertion of XXXX XXXX XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for XXXX  days after sending the letter, XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations.| XXXX actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with XXXX they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

i just dont think its right that the credit companys are still showing my bankrupsy after after 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed for this car for an exboyfriend who made one payment and stole the car and disappeared since XX/XX/2019. I have literally no idea what happened to him or the car. I had heard from a mutual friend he said the car was repossessed. I was NEVER contacted about any debt collection or had opportunity to dispute and remove myself from liability from the car being stolen and repossessed. I have attempted to dispute and reach out telling them what happened and they did not correct the amount owed after the supposed repossession according to the credit reports. I wasnt given a fair chance to dispute and resolve this without being given any kind of notice of this debt. I do not believe this amount owed is correct either. Company did not validate anything after I disputed.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am in the middle of a home loan purchase and Southwest Credit Systems reported a collection account for XXXX with no notice at all. I have not received a single notice or opportunity to determine if the debt is valid or not. I recently changed plans to be on the same plan as my employer and I paid all presented bills. I should not have any balance. I have no idea what this is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a dispute with XXXX & EQUIFAX regarding a collection account listed as XXXX XXXX. The account was sold to another company called XXXX XXXX XXXX  XXXX. This account was paid in full - as noted by the letter I received from XXXX XXXX, and should NOT be still listed as a collection account. 

XXXX sent me the results of their investigation dated XX/XX/XXXX, XXXX in which they indicated that the account was removed from my credit file. As of XX/XX/2020 the account is STILL showing up as a collection account. This is a violation of the Fair Credit Reporting Act and should not be tolerated by this credit reporting agency. 

XXXX  needs to honor their statement in the investigation results they sent me and REMOVE this account from collections IMMEDIATELY!! 

I've spoken to several people by phone who only files more disputes, which is totally and absolutely incompetent and wrong!
Product: Money transfer, virtual currency, or money service

Inquiry/Complaint Description I have a Venmo account I haven't used in 2 years My friend sent me {$330.00} I went to transfer it out to my bank account and Venmo froze and Suspended my account. Venmo ask me to upload bank statement, drivers license, pic of my bank mastercard and Venmo also took out XXXX XXXX XXXX XXXX from my bank account and credited it back to prove and verify this is my bank account. I just got an email from Venmo after providing them all they ask for and told me they WILL NOT UNFREEZE my account. Venmo even sent me an email stating that my account has been Verified See Email : Sat, XX/XX/XXXX at XXXXXXXX XXXX venmo You verified your bank account! 
XXXX XXXXXXXX XXXX You can now transfer money to this bank account. 

This is the email I got today XX/XX/ stating they will NOT UNFREEZE my Account. 
See Email : XXXXXXXX XXXX ( Team Venmo ) XXXX To : XXXX XXXX Tue, XX/XX/XXXX at XXXXXXXX XXXX Venmo Help You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. 
Hello XXXX, My name is XXXX and your case has been escalated to me for further review. While we appreciate your interest in using Venmo, we are unable to confirm that you have direct access to the financial instruments on file with your Venmo account. Due to this we will not be able to unfreeze your Venmo account. If you wish that we review this case again, you will need to provide us with the previously requested information. You can submit that information using our Document Upload Form, linked here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( If you have trouble following this link, try copying it and pasting it into your browser. ) Thank you for your understanding. XXXX XXXX XXXX. | Account Specialist | Venmo Venmo is a service of PayPal , Inc., a licensed provider of money transfer services. All money transmission is provided by PayPal , Inc. pursuant to PayPal , Inc.s licenses. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX I have done everything that they have ask me to do to prove this is indeed my account and they are refusing to unfreeze my account so I can get my money. I believe I am being scammed and now afraid they are going to use my info I provided to them for other scams and use for identity fraud. Please help me to get this resolved. Thank you so much, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 


Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

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

I HAVE LATES AND CREDIT INQUIRIES THAT DONT BELONG TO ME. PLEASE I WAS SICK I CALLED XXXX THEY SAID THEY WOULD UPDATE I HAVE SEVERAL INQUIRIES FROM EXPERIAN XXXX XX/XX/XXXX Experian XXXX CARD XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX, XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX  aLL ABOVE IQUIRES ARE NOT MINES
Product: Checking or savings account

I have a regular weekly check senr from a checking account to another savings institutions on Friday of each week. This has been ongoing for more than five years. On XXXX the amount was transferred two days earlier than the Friday of that week XXXX. On XXXX though there was sufficient funds in the account the check was labelled with insufficient funds and iwas charged {$35.00} although there was more than enough $ to cover Bank of Americas mistake on posting the check two days earlier than XXXX. On XXXX i changed the account from which the funds would be withdrawn on XXXX. The $ $ was withdrawn from the original account and not the account which i had designated on XXXX The online banking page still indicates there was a check sent on XXXX although clearly it was not.
Product: Credit reporting or other personal consumer reports

I did not give written consent for XXXX, XXXX, or TRANSUNION to furnish my information out to these companies.
Product: Bank account or service

I received several errors and miss matched info and as well devices not working properly or sent to the wrong addresses, thru the company of first data. As I had to dispute and spend time and money on these mistakes made by the company as well as a return label, thru first data of XXXX XXXX XXXX Nd XXXX bank.
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is TRANSUNION 's to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting XXXX unauthorised Hard enquiries on my account which are : XXXX XXXX on XX/XX/XXXX XXXX Card on XX/XX/XXXX. 
XXXX XXXX XXXXXXXX ( Bank ) on XX/XX/XXXX XXXX CARD ( Bank ) on XX/XX/XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given TRANSUNION any right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these FRAUDULANT Enquiries on my consumer report and file. It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
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 account name : 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. This is fraud i have police report
Product: Debt collection

On XXXX XXXX, 2017 I had a message left on my cell phone from a XXXX XXXX a manager at GC Services a debt collection company. The call came from XXXX but I was asked to call back at XXXX. I had the same message left on my cell phone and work landline on XXXX XXXX, 2017 but from a different employee. When I look up contact numbers for GC Services, this number is not listed. I would like for this company to stop calling my work phone, as I have asked them before on a date before the XXXX XXXX, 2017 message but they continue.
Product: Checking or savings account

The company closed my account at the end of the month. I have disputed the closing and filed another complaint about that. This complaint is about the company not paying out the earned interest that was due to pay out within a few days of the account closing. The interest was already earned and should be paid out to my account.
Product: Debt collection

THE RECEIVABLE MANAGEMEN XXXX XXXX XXXX XXXX, PA XXXX They are reporting to my credit and this was paid though bankruptcie