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

I have submitted numerous request also a previous CFPB request. My rights are still being violated. I have the right to request verification of the debt is provided by The Federal Fair Debt Collection Practices Act. I have NOT received information validating these alleged debts.Instead of receiving debt validation as requested I received a response from Transunion it another language. I believe it to be Spanish I'm not certain. This is a stall attempt.I need legal proof not a response of verified. I have submitted disputes in the past I have never requested another language. I received responses in English only. 
Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX
Product: Debt collection

This is the 3rd time I have had to file a complaint against XXXX XXXX XXXX. 

They continue to send me letters demanding money that I do not owe. I feel they have broken the law and this company needs to be reported or fined.
Product: Credit card

Creditors for the chase slate card have made me a victim to their viscous pay cycle that never works right because of there ways are wrong. The creditors blame me and causes interest so high my credit card is impossible for me to pay off! Even when I have owed such a small amount and have kindly asked multiple times for them to help me in any way and I also add funds to pay it they never accept my payments on time or even get the payments set in. They tell me I'm to blame for it but I have been paying on time each time for over six months and they continue to harass me with calls and way higher fees I can't seem to avoid the harassment in there unfair prices for there problems and also the harassing phone calls.
Product: Credit reporting or other personal consumer reports

XXXX XXXX with partial account # XXXX, XXXX, with partial account # XXXX, XXXX XXXX, with partial account # XXXX, These accounts are related to transactions and experiences that fall under the XXXX section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. These accounts are not related to any transactions authorized by me, the consumer as I did not give written instructions to your agency to report these, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report! 


I have contacted the Federal Trade Commission and filed a complaint ( # XXXX ), which is attached. Please block and remove all related information from my credit report and send me an updated copy. According to the law, the listed items are a result of unauthorized fraud. 

The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2, the law clearly states : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have provided all XXXX pieces of required information and expect the accounts listed above to be deleted and blocked within XXXX business days of your receipt of this notice. Failure to do so will constitute a violation of my rights under the FCRA. 
If you do not initiate an investigation and delete this information within XXXX business days of receiving this notice, as mandated by 15 USC 1681c-2 under the Fair Credit Reporting Act, I will pursue legal action to protect my credit rating and myself. Each violation of the FCRA permits damages of {$1000.00} if this matter goes to court. 
I have experienced significant emotional distress due to this issue and have recently felt suicidal. Therefore, I am compelled to escalate this matter and request a fair and equitable resolution.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Clarity Services . Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services Inc., a part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"
Product: Credit card or prepaid card

In XX/XX/2021 I made a purchase from a company called XXXX. If you check their XXXX page you will see XXXX complaints and no positive ratings. They are a criminal enterprise. I did not know this at the time. They simply take consumers money and do not deliver the goods. 

After XXXX weeks of nondelivery I asked XXXX for a refund. At the same time I asked my bank, Cash App, for a chargeback. XXXX agreed to a refund ( this was a stalling tactic ). A week later XXXX shipped something by XXXX. Delivery was never attempted and the package returned to the merchant. So the merchant has my money and the package. 

Several months later Cash App responds to my chargeback request and asks for all documentation. I give them all of it. They refuse a chargeback as the item was delivered back to the merchant. I can't get them to see sense ( I have been ripped off ), so I contact one of their management directly who escalates the issue for me. This does not resolve the issue, and then Cash App terminate my account for contacting the manager outside of their online support system. 

Cash App now have the balance of my account and will only release it into a bank account. I do not have a bank account.
Product: Vehicle loan or lease

I inquired about this a while back and still have no answer. I participated in this message below back in XXXX before the deadline, and the agent on the phone said he was submitting it but that it would take some time for management to review it : XXXX, you may be eligible for a waiver of up to {$500.00} in accrued fees on your Skopos loan. We will match any payment of up to {$500.00} in waived fees during the offer period. Please call us at XXXX to learn more. We are available today until XXXX CST. This offer expires [ Saturday - XX/XX/XXXX ]. TXT STOP to Stop messages from this number. MSG & Data rates may apply. Reply STOP to OptOut It is XXXX and to this day the late fees were not waived as promised. I called over the phone on XX/XX/XXXX to pay as instructed before the deadline, paid over the phone and followed the instructions to the letter. 

I certainly hope this is not in retatliation to my XXXX complaints.. as this is not only discriminating but also illegal. But this seems to be the only way to get any type of response from this company. 

I have sent several e-mails to their customer advocacy department and XXXX XXXX directly and all have been flagrantly ignored on the matter.
Product: Student loan

Mohela. I've received notices that my payments are being reversed although XXXX XXXX XXXXXXXX has confirmed a completed payment status on their end. I also have confirmation numbers from every payment with Mohela. The most recent payment was completed on XX/XX/2024 for {$58.00}. The confirmation number provided by Mohela was XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 reporting, credit repair services, or other personal consumer reports

I have sent in multiple disputes asking that both XXXX and Transunion verify these accounts. I have not been provided any proof of these accounts being verified. I attached my XXXX credit report showing that both XXXX XXXX- Rooms to go and XXXXXXXX XXXX XXXX XXXX has been removed. This is a direct violation of my consumer rights. Not only arent they actually verifying the debt but it has been removed from one credit report. Please delete these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Under the U.S Code 1681b title 15 permisable purposes of consumer, I never given you any written consent to report anything on my consumer.

No where in federal law is it written that a debt collector or consumer reporting agency msut report any information to a consumer report regarding a consumer EXCEPT under the written instructions of the consumer, and I XXXX XXXX, the consumer, did not give no consumer reporting agency or debt collector any type of a written instructions. 

By law the following alleged accounts must be deleted immediately since they are in fact a violation to me as a consumer and any name or address that does not reflect my actual name XXXX XXXX XXXX and my place of abode, XXXX XXXX XXXX, XXXX, PA, XXXX must be deleted immediately. 

CHAPTER XXXX BANKRUPTCY : BANKRUPTCY Acct. # XXXX XXXX  XXXX XXXX Acct. # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15USC 1681n. 
Portfolio # XXXX. XXXX XXXX XXXX. XXXX funding # XXXX. XXXX XXXX # XXXX. XXXX # XXXX. 15USC 1681 section 602 A. Stateside have a right to privacy. 
15USC 1681 section 604 A section 2 : it also starts a consumer reporting agency can not furnish a account without my written instructions. 15USC 1681c. ( a ) ( 5 ) section starts 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 7 years .15USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agency if person knows or has reasonable cause to believe that information is Inaccurate
Product: Bank account or service

I had and account in2009 with Bank Of America that closed. The account was closed because of a check that I received that I deposited but had no idea it was fake. However I paid the bank back and now they are saying I ca n't open another account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has failed to exercise their GRAVE DUTIES under the FCRA and has not conducted themselves with respect to the consumer and FCRA. TRANSUNION has stated that it has verified information on my consumer report when I did not request any verification I requested TRANSUNION opt out of reporting the requested accounts under 15 USC 6827 as a financial institution as defined under the gramm leach bliley act. TRANSUNION has responded with the accounts have been verified. I NOW DEMAND under 15 USC 1681i and under definition of INVESTIGATIVE REPORT that TRANSUNION provide me NAMES AND ADDRESSES OF ALL PERSONS INTERVIEWED PERSONALLY IN ORDER TO VERIFY INFORMATION. IF TRANSUNION CAN NOT PROVIDE ME THIS INFORMATION I DEMAND THEY DELETE THE REQUESTED ACCOUNTS IMMEDDIATELY.under 15 USC 1681i
Product: Credit reporting or other personal consumer reports

These are fraudulent inquiries in my credit report. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX 
XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Mortgage

My mortgage company offered me an in-house modification when my house payments continued to rise. Their offer would raise my mortgage balance from {$140000.00} to {$220000.00}. I believed I was at the end of my options and this appeared to be the only way to save my home. The mortgage company was vague about what exactly the charges of doing my in-house modification were going to pay for. The amount they were adding to my mortgage, {$74000.00}, was written down on a document they sent me, but they were leaving out what {$40000.00} was specifically being charged for. After numerous failed attempts to get them to explain what that amount was for, one day I received a letter from them ( by accident I believe ) showing that {$40000.00} was to pay legal fees. To me this is an incredible and unconscionable amount to charge someone for a boiler-plate modification, and to be charged with interest over the life of the mortgage. I reached out to them many times and was basically told it was my job to pay my bills, their numbers add up, and they don't see anywhere in their records that this amount was for legal fees. I scanned and emailed their own document to them showing this to them several times, but they never responded to me about this. I am attaching these documents to my complaint for you to review. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of Notice : XX/XX/XXXX There is information on my consumer report that are the result of identity theft. I did not provide written permission or instructions for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on a material misrepresentation by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction made by me the consumer! 
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 You are required by Federal Law to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the Date of this notice. Looking forward to your response. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not properly investigate my credit dispute. I sent them all the required documentation. The letter they sent to me states that the information was verified but they did not include the manner in which they verified the information, which I asked for in my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 Credit Bureaus have again deemed my Investgation/Re-Investigation as " accurate '' and Verifiable. However, I have now called the Credit Union and spoken with a representative who has informed me that NONE OF THE CREDIT BUREAUS have contacted them in regards to any disputes with 2 of my accounts ( or my husband's- the accounts are joint ). She explained that there would be notations on the credit union end stating that Experian, XXXX or XXXX would have send an investigation request and the date of said investigation. NONE OF WHICH HAVE EVER SENT A REQUEST!!! This is becoming an actual joke and waste of time for consumer 's to have to go through this, fighting for their right 's to be upheld! 

Letter # 1 ( EXPERIAN ) - 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer Acct # XXXX ( AFCU- {$520.00} ) Certified Mail Ending in XXXX ( Experian ) XXXX /Received : XXXX /Submitted for Investigation : XXXX Response from Experian XXXX - Results : Unchanged Acct # XXXX ( AFCU- {$1000.00} XXXX Certified Mail Ending in XXXX ( Experian ) XXXX XXXX Submitted for Investigation:XXXX Response from Experian : XXXX - Results : Unchanged Letter # 2 ( EXPERIAN ) - : WRONG ACCOUNT NUMBERS INCONSISTENT DATE OF LAST ACTIVITY Experian/XXXX All Reporting Inconsistent - No Way the Verified with XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( Experian ) XXXX Rcvd :? XXXX /Submitted for Investigation : XXXX Response from Experian : XX/XX/XXXX - Unchanged Acct # XXXX ( XXXX {$1000.00} ) Certified Mail Ending in XXXX ( Experian ) Sent : XXXX Rcvd :? XXXX /Submitted for Investigation : XXXX Response from Experian : XX/XX/XXXX - Unchanged Letter # 1 ( XXXX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer 0616 4.6 ( XXXX- {$520.00} ) Certified Mail Ending in : XXXX ( XXXX ) Sent XXXX XXXX / Rcvd : XXXX NO RESPONSE 0915 4.3 ( XXXX- {$1000.00} ) Certified Mail Ending in : XXXX ( XXXX ) Sent : XXXX Rcvd : XXXX NO RESPONSE Letter # 2 : ( XXXX ) Past 30 Days-NO RESPONSE /Demand for Delete 0616 4.6 ( XXXX {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / XXXX XXXX ( AFCU- {$1000.00} ) Certified Mail Ending in : XXXX XXXX Letter # 1 : ( XXXX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd :?/ Submitted for Investigation? NO RESPONSE XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd :? /Submitted for Investigation? NO RESPONSE Letter # 2 : ( XXXX ) Past 30 Days-NO RESPONSE /Demand for Delete XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd : XXXX /Submitted : XXXX XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd : XXXX /Submitted : XXXX
Product: Credit reporting or other personal consumer reports

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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I did not apply for any credit cards with TD Retail Card Service, however there's an inquiry on my XXXX credit report on XX/XX/2019 that I did not authorize. I've tried contacting TD Retail card services and they are refusing to remove the inquiry. I've also contacted XX/XX/XXXX to get help with item and they too have refused to address this issue.
Product: Credit reporting or other personal consumer reports

I am probably not complaining against Equifax for failing to properly investigate my dispute regarding an accuracy on my credit report. Despite my submissions Equifax continuously responded within a couple of days advising that the information was correct and accurate what remaining on my credit report without proper investigation. This violates FCRA the fair credit reporting at code, 15 U.S.C., 1681I which mandates a reasonable investigation of disputes. 
Furthermore, Equifax actions may contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 536a1 ( A ) - ( B ), as highlighted in the CFPBs recent administratives proceeding ( File number XXXX ) against them for some violations. I requested the CFPB take action to ensure that Equifax compliance with the federal law improvise consumer with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

No knowledge of a XXXX XXXX secondary company. XX/XX/XXXX No knowledge of credit bureau associated XX/XX/XXXX No knowledge of XXXX XXXX XXXX
Product: Credit card or prepaid card

( Related to XXXX with CapitalOne ) CapitalOne yet again changes course on coming up with creative ways to refuse the use of card. 
Now it will ( 1 ) disable the card from being reissued via app/website but only via representative, ( 2 ) replace the card without sending/mailing the card, ( 3 ) refuse to answer calls or disconnect. 

COMPLAINTNAT does understand that call centers can be busy, however, strange patterns are seen where call wait times vary strangely as well as calls are dropped frequnetly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.