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

Requested an NON E-OSCAR reinvestigation in a dispute filed against XXXX XXXX XXXX XXXX  ( acct. # XXXX ) on XX/XX/XXXX, on XX/XX/XXXX Trans Union claim they finished the dispute process, in one day.I find it hard to believe they contacted the company outside its E-OSCAR system and received results in one day.Current litigation was resolved with this company and a NEW UNIVERSAL DATA FORM was submitted, but Trans Union continues to violate Federal statues simply parroting its E-OSCAR system.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXXXXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$850.00}, XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX I, XXXX ( Original Creditor : XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$3100.00}, and XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Prepaid card

Called XXXX XXXX and just keep receiving no help from them. Asked to speak to superiors many times and was hung up on. Worst Customer service, Can't Receive any help. All I Was asking for was a dispute on my card for XXXX from XXXX because XXXX was having problems with the seller and investigating. and it was going to take a couple of weeks to complete. I just wanted my money back and they continue to make this a whole thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX TransUnion LLC mailed me a letter stating the investigation was complete dated both dates respectively. After two attempts to have this debt verified or deleted and there still being errors I am reaching out for help. Please help.
Product: Checking or savings account

I deposited my weekly paycheck for the pay period of XXXX and XXXX into my chime account. The same account I deposit my checks into weekly for over a year. 

Upon depositing my checks, from the same employer, same amount, ect., I was informed that there was a 5 day hold. 

I called chime support to inquire about this hold. Multiple times. Each time I was told something inconsistent and different. No one would allow me to speak with someone past a supervisor. No one would help me. I was just fed lines of a script with no resolution. 

On XX/XX/22, I called chime support and I was informed I would have my check by the end of day. In fact, I did not receive my check at the XXXX of XX/XX/22. 

I was not given any clear reason for the hold or information about the hold.
Product: Debt collection

I moved out of XXXX XXXX on XX/XX/year>, and returned the keys on that same day. The individual who received the keys did not report this until the following day. Prior to my move-out, I had been diligent in paying all my bills on time, and my final balance was confirmed to be {$0.00}. 

On XX/XX/year>, I received an email stating that I owed {$230.00}. On XX/XX/year>, I contacted XXXX XXXX to dispute this charge, emphasizing that I had paid my utilities consistently. I was informed that an investigation would take place. 

Despite my follow-up email on XX/XX/year>, I received no response. Subsequently, on XX/XX/year>, I was contacted by a collection agency, Columbia Debt Recovery LLC, regarding this alleged debt. 

On the same day, I reached out again to XXXX XXXX ( under XXXX Receivables ) to clarify that I had not received any updates regarding the disputed bill. The following day, I received a reply stating that they were no longer managing my account. I responded, reminding them that they were responsible for my account in XXXX and highlighting the lack of response to my dispute. 

Since then, I have not received any further communication from XXXX XXXX or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate late payments and fraudulent inquiries on my credit report, as they are negatively impacting my financial standing. Upon reviewing my file, I found discrepancies that do not belong to me. Under the Fair Credit Reporting Act ( XXXX ), I have the right to dispute any information that is inaccurate, unverifiable, or outdated. 
All reported data must be accurate, fully documented, and compliant with federal and state regulations before being shared with creditors. The late payments and unauthorized inquiries on my report do not meet legal reporting standards and must be validated with proper evidence. As per FCRA and XXXX XXXX compliance requirements, you are responsible for ensuring the accuracy of all reported information. If these items can not be fully substantiated, they must be removed immediately.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a lot of negative items in my report that resulted from my personal information being leaked and used by someone. I sent multiple letters to the bureaus but it has been more than 30 days yet they never sent me a response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is an ac

count that i paid in full, was settle in full as the letter saidI formally request that the following inaccurate items be immediately investigated.They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Money transfer, virtual currency, or money service

My issue is with CashApp and I have filed numerous complaints with them about someone hacking my account and taking XXXX dollars from me without my authorization or authorization of anyone else but they refuse to refund my money ... .this happened over the past year since I think XX/XX/2022 till a couple months ago but they keep telling me the transactions were authorized when they weren't cause if they were why would I file a complaint to get my money back and I am not the only one that has had issues with them ... I contacted the XXXX  for help and they can't do anything so they told me to contact you ... .I just want my money back... I only use cashapp to send money to people I know or buy stuff but that's it ... .the person in question I don't know .... 

Please help me get my hard earned money back... .it 's not right or fair what cashapp is doing .....
Product: Credit card or prepaid card

I paid a company, XXXX XXXX, $ XXXX by debit card for a service they never provided. Wells Fargo allowed the them to keep my funds stating that: "you did not cancel the service as outlined in the terms and conditions signed by you."It turns out this company is a scam and criminal enterprise, the owner is being criminally charged for doing to others, what he did to me. XXXX
Product: Credit reporting

There is a XXXX collection listed on my personal credit report, I have disputed with Experian and they stated they investigated which is false I took it upon myself and called XXXX and I do not have this account or owe ANYTHING. Please help I do not know what to do now. Experian is n't doing anything about this and this remark needs to be removed XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on credit card account under a open and consumer plan as late for any purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of inaccurate credit information from my TransUnion and XXXX  credit bureau. 

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I have reached out to both before and get the generic answer that they are looking into it or unable to find that I have a XXXX  Credit bureau. 

I reviewed a copy of my credit profile for both credit bureaus and confirm that there are inaccurate inquiries that are reporting on the credit bureau. I have never consented for my credit to be pulled and need for you as the reporting company to provide me with proof I consented to having my credit accessed. IF you are not able to provide me with that proof I need these removed immediately from my XXXX  and Trans Union Credit profile. 

TransUnion : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX  Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Mortgage XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will investigate these inquires with the creditors who have posted them. Please remove any information that the creditor can not verify. I understand that under the 15. U.S.C Sec 168i ( a ) you must complete the investigation within 30 days of receipt of this letter and provide me with the requested information. 

I am also asking for you to remove all fraud alerts that you have on my TransUnion and XXXX. I have never authorized or gave permission for these alerts to be placed and want them removed immediately. 

I have attached my drivers license for you not to send me a letter lying and telling me you are not able to verify me.
Product: Debt collection

During the months of XXXX to current I have made a a few attempts to contact Anderson and associates LLC in XXXX Oregon regarding this debt. I told the owner I was going to file bankruptcy to get rid of the debt and he proceeded to call me a XXXX XXXX XXXX. He also threatened to put a lien on my house. He has spoken to e in a hostile way. I believe this is a clear FDCPA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a natural living human and I have rights under the 15, USC 1681, that Equifax who is governed under 15, USC 1681, they have violated my rights on numerous occasions and I demand that the following accounts from the list below be removed. According to Rule 15, USC, 1681, I have the right to privacy and I did not give equifax real permission to furnish these accounts information. 

Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I filed a complaint with Santander Consumer regarding how I make my payments. They only allow me to make payments talking to a representative. This costs {$10.00} a month. They have an automated system where you can pay less to make a payment but it has not allowed me to do this since XX/XX/XXXX. They stated it was because I had a return checks. I told them that I do not want to pay with a check I just want to pay with my debit card and it will not let me. The office of the president told me that this block would be lifted in XX/XX/XXXX to allow me to pay through the automated system so I can pay less fees. I still could only pay with my debit card, which I am fine with, but the fee would be substantially less. As of today, XX/XX/XXXX, I am still not able to pay through the automated system. I have to talk to a representative and pay the XXXX fee just to make a payment. 
I believe this company is ripping off comsumers by doing this, This needs to be addressed.
Product: Credit card or prepaid card

1 ) National Recovery was paid more than a year ago and was off of my credit report. Why is it back? 

2 ) I did not close or have any intention of closing my XXXX XXXX XXXX XXXX account.
Product: Credit card or prepaid card

XX/XX/2023, I spoke to Capital One representative about my credit card account. 

I explain to Capital One representative, that due to financial hardship I need help reducing interest added to my Capital one account. 

Capital One representative offered me a program for three months that will be interest free as long as I pay the minimum balance of {$52.00} on or before due date. 

My XXXX statement show Capital One added interest ( {$37.00} ) to my credit card balance, despite forbearance program I accepted in XX/XX/2023. 

I shouldn't have received interest added to my credit card balance due to forbearance program I accepted, when talking to Capital One representative on XX/XX/2023. 

If Capital One claim all calls are monitored, it shouldn't be a problem finding the conversation I had with their representative in XX/XX/2023. 

I have pay on time and have giving more than the minimum balance of {$52.00}. 

In addition. Capital One has not been good giving actual report of my credit card balance to The Three Credit Bureaus. It's Unfair. Not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a Consumer of the FCRA and FDCPA I have notice quite a few Violations on my Consumer report that is being reported from the following agencies ; XXXX, XXXX and TRANSUNION. It goes from Violations of Right to Privacy, Identity Theft, Billing Errors, Permissible Purpose. The list goes on. I have never given anyone Consent to furnish anything on my consumer report. And I DEMAND all Accounts/ Inquiries that I am disputing be remove IMMEDIATELY. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Bankruptcy Chapter XXXX Docket # 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 without my written instructions.
Product: Debt collection

I 'm filling out another complaint as the first complaint was NOT addressed. The case was closed illegally. You are required to take action or face possible legal action. 
As I stated before - Oregon Law clearly states attorneys who operate as debt collectors are in fact debt collectors and NOT an attorney. Therefore, under Oregon Law they are subject to consumer law and many other laws. They are required to have a valid business license since they are a DEBT COLLECTOR and NOT an attorney. XXXX XXXX XXXX did NOT have a valid business license in XX/XX/XXXX nor did they adhere to all State & Federal laws  since they were in fact a debt collector and NOT an attorney. Therefore, any alleged debt is illegally represented. As such, Oregon DOJ will be taking legal action against XXXX XXXX XXXX as they have on prior debt collectors who operate illegally in Oregon.
Oregon Supreme Court Ruling - State Law - Final Ruling : Attorneys who operate as debt collectors are in fact debt collectors XXXX XXXX XXXX IN THE SUPREME COURT OF THE STATE OF OREGON XXXX XXXX XXXX , an Oregon professional corporation ; and XXXX XXXX XXXX , individually, Petitioners on Review, v. XXXX XXXX , Attorney General ; and Oregon Department of Justice , Respondents on Review. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I spoke with XXXX XXXX with Oregon Div. of Financial Regulation. XXXX stated XXXX XXXX XXXX XXXX was illegally conducting themselves as debt collectors. XXXX XXXX XXXX XXXX unknowing to me filed a judgement for alleged debt. I filed paperwork prior to this so it was illegal to file the lawsuit in the first place. Furthermore, Oregon Law & Federal Law required all debt collectors to be licensed with NMLS. XXXX XXXX XXXX XXXX did not have a NMLS license, did not have an active business license in Oregon as outlined by state law and called my business to collect on this alleged debt. All of these are violation of Oregon 's Customer Protection Laws. Which was upheld by the Oregon State Supreme Court in XX/XX/XXXX. Oregon Div. Of Financial Regulation stated this is a violation but the Dept Of Justice would have to be agency to file a lawsuit and/or take action for the violations. This would mean the court case in XXXX County - Case # XXXX - is not valid. As such a motion to vacate is mandatory under Oregon Law. I request the Oregon Dept of Justice take  action against XXXX XXXX XXXX XXXX. I have a large box of documents as evidence.
Product: Credit reporting or other personal consumer reports

I am submitting this complaints in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. The account are listed below that needs attention : XXXX XXXX  XXXX Balance Owed : {$5400.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1800.00}, XXXX XXXX Balance Owed : {$170000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian all three credit reporting agencies all use the same tactics disabling consumers from entering more than 210 characters when trying to file a dispute. 
This is a shameful tactic that has been allowed to go on unnoticed for so long. If we have a right to a dispute why do they have limits on how many characters are in your dispute?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX XX/XX/1971 SSN : XXXX PH : XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.