23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My bank has declined to open a dispute against a company who service I paid for on XX/XX/XXXX and never received the services. XXXX files a dispute with my bank and they stated that they wont be able to honor a refund credit or dispute because its been too long since I made the purchase. I purchase a credit repair service and the company did not start, or complete the services. I have proof attached stating that I tried my best to solve the issue but the company never responded and my bank continues to let companies steal money from me. On XX/XX/XXXX I paid for a XXXX XXXX XXXX XXXX with this company for the amount of {$190.00}. XXXX XXXX the XXXX XXXX sent me a email on XX/XX/XXXX via email from ( XXXX ) requesting my personal information to start the disputing process which I did submit. On XX/XX/XXXX I sent a email touching base making sure that they received my information, XXXX responded on XX/XX/XXXX and stated that once a representative reviews my file someone will reach out. No one never reached out to me I then sent another email on XX/XX/XXXX, and again on XX/XX/XXXX to check on the status of my disputes. XXXX responded on XX/XX/XXXX and stated that my disputes letter are completed and will be sent out in one business day, she sent another email on XX/XX/XXXX and said that in 2-3 weeks i should receive my first round of results. I waited until XX/XX/XXXX to reach out again to let her/him know that I did not receive any letters pertaining to my disputes. XXXX then responded and said that if I do not receive any letters from the credit agencies in a week to reach back out and she will contact the agencies directly. I waited again and on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I emailed XXXX regarding not receiving any letters from the credit agencies and she did not respond until XX/XX/XXXX, she stated that she will reached out to the CFPB to file disputes and suggested I created an online account for her/him to filed directly online. I followed her instructions and emailed her the login to my CFPB account for her to finally start the process. On XX/XX/XXXX I sent XXXX another email reminding her that I sent the information she requested and when will she file the disputes online, XXXX then responded with little to no information or answers regarding the previous email. I waited another week hoping that XXXX did the job she was paid to do and I still did not receive nothing. I checked my CFPB account and was surprised to see that she never sent any only disputes, I even took it upon myself to contact each credit agency XXXX, XXXX, XXXX and they all stated that NO DISPUTES WERE NEVER SENT. On XX/XX/XXXX I emailed XXXX again letting her know that I checked the CFPB account and she never sent anything Its been 5 months since I purchased this service and I was scammed, they kept my money and did not perform the service they was paid. I requested a refund and this company nor XXXX XXXX responded or issued my refund. My bank has refused to help me.
Product: Credit reporting or other personal consumer reports

The collection agency PROFESSIONAL DEBT MEDIAT appears to be in violation of the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ( a ) ) by failing to provide me with proper validation of the debt associated with Account # XXXX. Under this provision, debt collectors are required to inform consumers of their right to dispute the debt and to provide verification upon request. If they are reporting this debt on my credit report without having verified it or provided me with the necessary information to understand the nature of the debt, they are infringing on my rights. Additionally, the reporting of an account that has been marked as a charge-off with a balance of {$0.00} raises further questions about the legitimacy of this claim, suggesting a potential lack of adherence to required practices in debt collection and reporting.
Product: Credit card or prepaid card

I used XXXX XXXX XXXX XXXX XXXX credit card to purchase some a stove in XX/XX/XXXX. When i bought this product from the store i was never told that i have pay the full amount back in the promotional period. I always thought it will the regular finance charge after the promotion expired on XX/XX/XXXX which was the billing cycle. In XX/XX/XXXX I was charged {$330.00} as deferred interest charge. I tried calling to few times and every time I was told i need to speak to a supervisor but the customer service rep said they are having technical difficulty to transfer my call and they wont provide a phone number to call them directly. Before this amount was added to my account the balance was {$400.00}. Since this time I have paid {$210.00} on this account and the balance now is {$490.00} and they are now adding interest charges on the money that they added. There fore I am being charged double interest. They are thieves and practicing unfair billing.
Product: Credit reporting or other personal consumer reports

XXXX been holding negative items on my credit report for years, holding me back financially. Ive done everything I can to Dispute all negative items, even after some of the items were paid in full or no longer being reported. Every time I try to dispute online, they dont remove the accounts from my credit report. To me is not fair because Ive been fighting identity theft over XXXX years and I took initiative up on myself to fix everything but I need help ASAP. in addition to XXXX XXXX XXXX XXXX XXXX XXXX falsely closed and reported both my personal bank account and my secure credit card to the credit, bureaus and Chex systems as account abuse.Bank of the west illegally reported my accounts to be closed until 2029.
Product: Debt collection

Persons in charge, This complaint is in regards to a collection that has been reporting on my credit report from XXXX. I have contacted the Collection Agency in effort to rectify this debt and they refuse to resolve it by providing proof that this account is mine. 

On XX/XX/2018, I sent a validation and verification letter requesting original contract, original signature and payment history. In response, they sent me an itemized telephone bill. The proof they sent to me isnt satisfactory proof. Under the FDCPA, if the collection agency doesnt validate a debt, then they can no longer collect the payment and they are required to stop contacting me and remove the debt.
Product: Credit reporting or other personal consumer reports

experian XXXX and XXXX are illegally and unethically collecting my personal data including my name my addresses my telephone numbers my locations my credit reports DRIVERS LICENSE INFORMATION and selling that information to whomever wants it. MY CREDIT REPORT IS FROZEN AND MY INFORMATION SHOULD NOT BE USED OR SOLD TO ANY PERSON PLACE OR BUSINESS AT ANY TIME. DO NOT SELL TRANSFER OR MARKET ANY INFORMATION ABOUT ME TO ANY DATA BROKER OR ANY PERSON PLACE ENTITY COMPANY AGENCY OR ANYONE PERIOD!! DO NOT SELL TRANSFER OR ALLOW TO ACCESS MY NAME AND MY ADDRESS AND MY TELEPHONE NUMBER!! YOU ARE ENDANGERING ME AND MY FAMILY AND MY PRIVACY BY DOING SO. THE ONLY WANT THAT DATA BROKERS HAVE THIS INFORMATION ON ME IS IF THE THREE CREDIT BUREAUS SOLD IT AND ALLOWED DATA BROKERS AND COMPANIES AND INDIVIDUALS TO ACCESS MY PRIOR ADDRESSES AND PHONE NUMBERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, and XXXX have continuously violated the FCRA laws by reporting inaccurate, incomplete and unverified information on my credit report. This has resulted in adverse action against me from creditors. 

I have disputed their information since XXXX with proof and copies of my credit report with discrepancies noted.
Product: Credit card

I requested a {$5000.00} increase to my Bank of America visa card. I receive XXXX in retirement from XXXX XXXX, CA and XXXX in social security yearly. I have in excess of XXXX in an investment account at XXXX XXXX bank and just closed escrow on a home I owed without a mortgage for {$630000.00}. My husband has an investment account valued at somewhere over XXXX. 
This is banks and the credit reporting agencies using debts to deny credit and lower FICO scores while at the same time denying other bank assets. They falsely lower your FICO score to gain higher interest rates. To me this is racketeering!
Product: Credit card or prepaid card

Chase and United Airline prominently display their advertisement about the incentive. I purchased United Airlines tickets on XX/XX/2020 with the understanding that {$250.00} statement credit would be posted to my United Explorer credit account. However, Chase conveniently claims that the purchase and the credit card application did not happen during the same session. Therefore, I am not eligible for the credit. As much as I tried to do both in the same session, my online application did not go through. There was no warning or alert regarding the condition of failing to secure the credit. If I had known the buried fine prints, I would have not gone through the hassle of applying Chase United Explorer credit card.
Product: Credit reporting or other personal consumer reports

I am writing this final demand to formally address the unresolved inaccuracies on my credit report, which have persisted despite multiple previous disputes. As you are aware, XXXX has already conducted a thorough investigation and successfully removed the negative items in question. It is wholly unacceptable that both XXXX and Experian continue to report these inaccurate and invalid accounts, despite XXXX findings.
Product: Debt collection

Submitted a complaint with multiple concerns to XXXX XXXX. Ethical concerns were not addressed. Repeated requests to XXXX were forwarded to the company without response. XXXX suggested filing the complaint with CFPB
Product: Vehicle loan or lease

I purchased auto gap insurance when I purchased my vehicle. In XX/XX/2019 I was in a car accident and my vehicle was total loss. My auto loan servicer, Capital One Auto Finance filed an auto gap insurance claim but the claim was denied because the dealership never paid the gap premium. But the dealership financed the gap premium in my auto loan when I purchased the vehicle.
Product: Debt collection

Arcadia Recovery Bureau called me XX/XX/XXXX. I answered. The line hung up and called me from a private number. My {$120.00} bill has been paid to XXXX XXXX since XX/XX/XXXX. I have received calls from XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called Arcadia to ask them to please stop contacting me, and the representative hung up on me. I called again and the rep immediately sent me to voicemail. This is harassment.
Product: Debt collection

I have never been presented with any affidavit that would provide validity to your assessment, and its my understanding and belief that no such paperwork exists. Please provide Creditor? Debt Collector Declaration, affidavit of validation of debt creditor. 
TRANSUNION XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2100.00} XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX Shows PAYS_AS_AGREED on XXXX nor XXXX Please update to PAYS_AS_AGREED XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Shows PAYS_AS_AGREED on TransUnion nor XXXX Please update to PAYS_AS_AGREED XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX Does not appear on XXXX nor XXXX PLEASE UPDATE FOLLOWING ACCOUNTS AS THEY REPORT ON XXXX AND XXXX XXXX XXXX XXXXXXXX ( CLOSED ) Summary {$19000.00} Owner INDIVIDUAL XXXX XXXX Account Status PAYS_AS_AGREED Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) {$3000.00} Account Number XXXX XXXX Reported Balance {$0.00} Account Status PAYS_AS_AGREED Date Opened XX/XX/XXXX XXXX XXXX  XXXX ( CLOSED ) Summary {$1100.00} Account Number XXXX XXXX Reported Balance {$0.00} Account Status PAYS_AS_AGREED Date Opened XX/XX/XXXX 15 u.s. C 1681b Permissible purposes of consumer reports reported without no written consent 15 usc 1681c -identity theft prevention : fraud alerts and XXXX XXXX alerts without my written consent it is considered identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft. a statement by the consumer that the information is not information relating to any transaction by the consumer. 
If credit bureaus are notified about anything on credit report because of identity thrift, they must remove because i never gave consent 15 US CODE 1681A LATE PAYMENTS reporting to my consumer report is ACCORDING to 15 US CODE 1681A titled definitions rules of construction para 2 titled exclusions and sub para a subsection I state that transactions are not included in the consumer report. If there has been an OVERSIGHT, please update to be paid in full. 
15 U.S. Code 1692g - Validation of debts 15 USC 1681 SECTION 602 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 1681 SECTION 604 A section 2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not
Product: Credit card or prepaid card

I received my paper statement in the mail today and noticed that XXXX 's ( Comenity Capital Bank ) charged me a {$35.00} late fee on my bill. The bill was due XX/XX/2022, the payment was made XX/XX/2022 a little after XXXX that evening, the payment was processed XX/XX/2022. I called in and spoke with a representative who refused to remove the late payment after I gave her notice that XXXX 's was violating my consumer rights on my open end consumer credit account. I then asked to speak with a supervisor. I spoke with XXXX # XXXX, whom I explained that a late fee is a violation of my consumer rights and I refuse to pay any illegally added charges and he pretty much laughed and told me they are not federally regulated by anyone because they are a bank and their terms and agreements trump federal law. I asked XXXX who are they regulated by and he proceeded to tell me no one, they were not violating my rights, and they will not honor my demand. He also stated that I shouldn't have called to remedy the situation, just don't pay my bill, contact legal, and contact the Attorney General if its an issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX at XXXX I called portfolio recovery inquiring about why they had put in unauthorized inquiries on my XXXX credit report for the dates of XX/XX/XXXX and XX/XX/XXXX. I saw these under the account review inquiries subsection after I requested and downloaded a full report. After these unauthorized inquires there were several other unauthorized inquires from various companies that I do not recognize. I also noticed 5 phone numbers that are not associated with me or the only state Ive ever lived in, in any way. I was transferred a few times and then essentially told that they have no record of this and all they can do is file an internal complaint, which does not include me in the process or the outcome of the investigation. I was told that if their investigation leads to information they will contact me, which assumes the company is willing to admit illegal activity and thats highly unlikely. Especially since they were just sued by the CFPB in May for similar illegal practices. I made it clear that thats not a very honest system, and that I was unhappy with their process. It was confirmed to me that portfolio recovery stopped reporting an alleged collection account on my credit report as a debt collector in XXXX, and they stated multiple times, unprompted, that they would not sue me for the amount that was supposedly due. This reassured me that they had absolutely no account associated with my credit report, therefore absolutely no reason to be anywhere near my credit report. I made it very clear that these are two completely separate issues, and that they never did have or would have my authorization to put in inquirie on my credit. I advised that I would be taking my own path of resolution since theirs was less than adequate. I feel extremely violated and I worry there are also many others who this also has been happening to and they have no idea about it.
Product: Mortgage

My mortgage company is auctioning my house XXXX XXXX, 2015. I never received court notice of them trying to do this, I was lead to believe that they were trying to help me save my home. All of the modification paper work that they have sent me, I have faxed and mailed back, each time I finally get them to answer they tell me, I have a page or XXXX missing, so I resend the page they say is missing only to be told a different page is missing. I have even resent the whole packet of paperwork. They are also saying I owe {$30000.00} on a loan that was refinanced through them 14years ago. that was originally XXXX. I recently submitted the modification paperwork again, and have been leaving messages and have not received a call back as of today.
Product: Credit card

I disputed a charge from an item I purchased online and never received. I provided my phone records and screen shot of my emails to prove that I tried to contact this merchant many times not to mention trying to reach them at their physical store during their business hours many times and was not able to contact anyone for months and months. There is nothing more I couldve done to try to resolve this issue on my own. And so after many months I contacted Discover to dispute the transaction. I dont believe they even did a sufficient investigation before closing my claim. They closed it based on the premise that the merchant did not respond to their inquiry. Isnt that a given that a merchant that is fraudulently taking money from their clients is not going to respond?
Product: Credit reporting, credit repair services, or other personal consumer reports

I summited the requested documents by certified mail to Trans Union XXXX XXXX XXXX XXXX on XX/XX/2019 to have information corrected on Trans Union Credit Report this is reported incorrectly regarding the XXXX XXXX  Credit Card account XXXX as and delinquent account From XX/XX/2019 and XX/XX/2019. 
When the XXXX Credit Card account XXXX was Discharged in Chapter XXXX Bankrupcy Courts from case number XXXX from the order of the Chapter XXXX Discharge notice on XX/XX/2019 and notice from the XXXX XXXX Credit Card Service verifying in the Attachments I mail to Trans Union Date XX/XX/2019 from the Creditor XXXX that the XXXX Credit Card account XXXX has been Discharged in Chapter XXXX Bankrupcy on XX/XX/2019. 
In which Trans Union Credit reporting Agency is failing to make the correction on my Trans Union Credit report regarding the XXXX XXXX Credit Card number ending in XXXX from Deliquent account to Discharge in Chapter XXXX Bankrupcy knowing from the requested documents I has mail them showing that this account is Discharged in Chapter XXXX Bankrupcy instead of being Deliquent.
Product: Checking or savings account

My name is XXXX XXXX XXXX I want into bank location Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX and their phone number is Phone : ( XXXX ) XXXX today make a withdrawal and a deposit and they told me they couldn't do both my account was supposed to be closed out and they ask if I know if it was supposed to be closed out I say no and I ask them to print out the letter but they couldn't and I ask for a date when it will be closed out but they couldn't see a date on the letter they told me I want y'all to keep my account open I didn't do nothing wrong to have my account close out or verify if my account will be closed out if so when what date if not get it fixed and tell the bank it won't be closed out if it will be closed out let me get all my funds out my account in person or send me a check with all my funds and plus any credits I get to the accounts and deposits to the account and also add my welcome new customer bonus to my account for {$300.00} I never got to my account yet and send that to me in the mail by a check or allow me withdraw it out in person and allow me to do withdrawal and deposit before it get closed out if it true and also close out my saving account and checking account automatically and my ssn is XXXX my address is XXXX XXXX XXXX XXXX Pennsylvania XXXX you can contact me at XXXX etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ... .XXXX credit card ... .Elder financial exploitation On XX/XX/XXXX I was contacted via email by headhunter looking for procurement officers by a company in XXXX XXXX XXXX XXXX XXXX -XXXX XXXX handled by a XXXX XXXX this was an international gift card credit card scam that wasn't revealed to me until XX/XX/XXXX when I became aware that the company was a scam. I immediately connected with the vendors and saved over {$1000.00} of gift cards that were not used. I immediately filed a Sherrifs Department report with XXXX XXXX XXXX through the XXXX , Fl Police Department File # XXXX XXXX I was quite upset and Detective XXXX took my statement. I also filed a IC3 report with the Federal Bureau of Investigation on XX/XX/XXXX. I worked with the fraud department of XXXX XXXX every phone call made I was reaching a new agent I never talked to the same agent twice. I was calling 2 or 3 times a week to try to rectify this matter. I felt as if I was getting no where with them. I was responsible for {$3700.00} which were my charges that I myself was responsible for and paid in full. XXXX XXXX lost the check. This was resolved by me when I paid on line once again. I never heard one word about the lost check. On XX/XX/XXXX agent XXXX XXXX issued me a case # XXXX he stated that I should fax to him the reports and place this case number on each sheet which which I complied with. I have never received any acknowledgement that these docs where received and I could never again reach this agent. Therefore, On XX/XX/XXXX I spoke with XXXX XXXX XXXX another call, another explanation, sent me a link in order to place the files online again using the same case number a above. To Date I have heard nothing. I had no acknowledgement but still received notices from the credit card division charging interest on the unpaid balance and of course ruining my credit score. I called XXXX XXXX again but to no avail. I felt as if I was on a merry go round. I never heard or received anything from the fraud dept but kept on receiving the statements with interest accruing. These phone calls were getting me no where to date I have called over 100 times to this department. I wrote a letter of XXXX XXXX XXXX XXXX, President of XXXX  XXXX, overnight return receipt requested, I never received acknowledgement when I know the letter was in fact delivered. I feel that I have exhausted all means of communication with this company my credit has been ruined when in fact I always maintained a high credit score throughout my lifetime. I am XXXX years women living on social security and pension who just wanted to earn additional income but duped by foreign scam artists. Now that I need a small loan to purchase a car I am being declined because of this continued problem.