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

On the morning of XX/XX/2023 I used my Chase debit card without any problems. A few minutes later i received a notification from my digital wallet that the card was removed from XXXX XXXX. I called Chase and was told the debit card was closed. I was transferred to another department who said the account was restricted and would be closed within 10 days. They told me I could transfer the funds to another institution or go to the branch and withdraw the funds. 

I logged into the Chase account to get the banking information so I could initiate a transfer to another bank. After I entered the information into the other banks site and tried to log into Chase again my online banking was locked. 

It gave me only 2 options call to unlock or close the box. When I called I was told there could be nothing going in or coming out of the account and they wont unlock. They said the decision is final. 

I have small children I need access to the funds. They said I would get a certified check in XXXX  days. I cant wait XXXX days. This is horrible and heartless
Product: Credit card or prepaid card

Ive had the Target credit card for several years before they closed my account. Four years ago I lost my full-time job so I was struggling with keeping up with payments. Up to this point I didnt have any problem paying the bills on time. 

Ive contacted the company several times during my financial hardship and kept on stressing that I do not want the account closed, but that I would pay off whatever was on it ; there wasnt a lot. I told them I would keep sending money in, and not use the card, until it was paid in full. Consumers are always told to stay in touch with the creditor, and I did. They kept on assuring me that I was doing the right thing by staying in contact with them, sending in payments even if it didnt cover the monthly amount, and that my card would not be cancelled. 

A few months after I had gotten my balance down to XXXX, and paid off everything ( even the late fees, etc. ), they send me a letter that they cancelled my card. My credit score was climbing back up, and I get hit with this! They gave me the form letter about my credit report saying that I have too many derogatories and too many accounts past due. Now my credit score has gone down because of the nonsense these companies are allowed to create. Now it will be more difficult for me to establish new credit if I need to because of their poor business practices. 

My credit history with them has definitely been extremely good until I lost my full-time job. I now work three part-time jobs and am becoming more financially solvent. This should count for something! 

They lied, their business practices do not keep the consumer in mind, and something should be done to them!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cas App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXXXXXX Balance : {$14000.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Date : XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX, SC XXXX Re : Debt Validation Request Account Number : XXXX Dear Sir/Madam, I am writing to request validation of the debt you have reported to the credit bureaus under the above-referenced account number. I have noticed that LVNV Funding LLC has been reporting this account on my credit report since XX/XX/year>. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and obtain proof of the debt you claim I owe. Please provide the following information : The amount of the debt and an itemized statement of the balance. 
The name of the original creditor. 
Documentation verifying that LVNV Funding LLC has the legal right to collect this debt. 
A detailed history of payments, credits, and fees applied to this account. 
XXXX that this debt has not been previously satisfied or settled. 
Please be advised that until proper validation of this debt is provided, I request that any further attempts to collect be ceased. Additionally, I ask that you correct any information related to this debt that is being reported inaccurately on my credit report. 

I appreciate your prompt attention to this matter. Please provide the requested documentation at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of specific credit inquiries on my credit report, which were conducted without my authorization as a result of a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the permanent removal of these unauthorized inquiries to protect my credit profile. 
Unauthorized Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to TransUnion 's failure to comply with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) regarding the timely removal of fraudulent items from my credit report. Additionally, I experienced unprofessional and dismissive treatment from TransUnion employees during my attempts to resolve the matter. 

# # # Summary of Events : 1. XXXX XXXX XXXX : ** I mailed TransUnion a detailed fraud report requesting the removal of fraudulent items from my credit report as required by FCRA 605B. 

2. XXXXXXXX XXXX XXXX  ( XXXX XXXX  ) : ** TransUnion received my fraud report. Per the law, the fraudulent items should have been removed within four business days of receipt. 

XXXX. XXXX XXXX  : ** TransUnion mailed me a response stating that my current address did not match the address on my drivers license. They requested documentation for address verification, including one item from two different categories. 

XXXX. XXXX XXXX, XXXX : ** I mailed TransUnion a copy of my Social Security card, my most recent utility bill, and a recent pay stub to verify my address. 

XXXX. XXXX XXXX, XXXX  ( XXXX XXXX  ) : ** TransUnion received my documentation. 

6. **Interacting with TransUnion Representatives : ** - I spoke with XXXX XXXX and XXXX XXXX, both of whom were extremely rude and unhelpful. They failed to provide clear or accurate information about the status of my fraud report or the removal process. 

# # # Issues : - **Violation of FCRA 605B : ** TransUnion has not removed the fraudulent items within the legally mandated timeframe, despite receiving all required documentation. 
- **Unprofessional Conduct : ** The dismissive and rude behavior exhibited by their representatives, XXXX XXXX and XXXX XXXX XXXX exacerbated an already stressful situation. 
- **Lack of Transparency : ** TransUnion failed to provide consistent or clear updates on the status of my request. 

# # # Impact : The delays in removing fraudulent items from my credit report have caused unnecessary stress, potential financial harm, and disruption to my financial well-being. The rude and unhelpful behavior of TransUnion employees further added to my frustration. 

# # # Desired Resolution : 1. **Immediate Action : ** - Remove all fraudulent items from my credit report as required by FCRA 605B. 
- Provide written confirmation that the items have been removed. 

2. **Corrective Measures : ** - Investigate and address the unprofessional behavior of employees XXXX XXXX and XXXX XXXX XXXX 
- Ensure all employees are trained on handling fraud-related cases with professionalism and respect. 

3. **Transparency : ** - Commit to providing timely and clear communication to consumers regarding the status of their fraud disputes in the future. 

I have attached all relevant tracking information, correspondence, and documentation to support my complaint.
Product: Credit card or prepaid card

I applied for a Comenity Bank credit card through Victoria Secret and Comenity denied me due to credit worthiness from XXXX which is a consumer reporting agency. According to 12 car 1002.6 & 15 use 1691 states that applicant means any and not in the faith of credit worthiness. XX/XX/XXXX, I received my adverse action letter and on XXXX XXXX I responded to the adverse action letter and they received it and sent it back without responding and giving me my credit card. They are discriminating against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Office of the Attorney General is the official child support enforcement agency in Texas. In addition to enforcing payment, the AG 's Child Support Division helps locate noncustodial parents, establish paternity, collect and distribute payments, and review and adjust child support orders. 
15 U.S. Code 1681s1 - Information on overdue child support obligations Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which ( 1 ) is provided ( A ) to the consumer reporting agency by a State or local child support enforcement agency ; or ( B ) to the consumer reporting agency and verified by any local, State, or Federal Government agency ; and ( 2 ) antedates the report by 7 years or less.

As noted above in the referenced statute concerning Credit Reporting Agencies, the only permissable purposes of reporting child support payments/non-payments has to come by " A State or Local child support enforcement agency ". The State of Texas is the only child support enforcement agency that's legally authorized to report child support payments/non-payments. Transunion, XXXX, & XXXX are violating the FCRA by reporting child support payment history via-third party agency. The State of Texas does not have an account with E-Oscar that allows their computers to communicate with each other.

The following account is in violation of the FCRA : 1. OAG Child Support Enforcement opened XXXX 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX a notarized letter was sent to XXXX for information regarding XXXX XXXX XXXX account. No information was provided under XXXX per XXXX XXXX. This company is in violation and request to have this item deleted from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted Experian and recieved an updated report on XX/XX/XXXX to delete 3 accounts that appears inaccurate. I called to see who was the original creditor. The report shows the account was opened with the original creditor but that creditor no longer exist so I want to know how was the account verified as accurate. It states that it was paid, closed and never late but will remain on the report until XX/XX/XXXX and XX/XX/XXXX. Two of the account has the same balance of {$17000.00} and the other one is {$1500.00}. All of these accounts are outdated. First reported dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of these accounts are with the same creditor. I need these removed as soon as possible.
Product: Credit reporting or other personal consumer reports

I am so confused about your credit bureaus investigation on the account, that I am again writing this letter to dispute the fraudulent account on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent accounts on my reoprt and upon submission, XXXX and Transunion removed the said account on their records.I also contacted the company associated with this account and they said they have removed the account, so my question is : why are the account still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a federally protected consumer and Santander Consumer USA has violated me under the provisions of 15 USC 1692, 12 USC 1431, 15 USC 1681. Please review the attached documentation.
Product: Money transfer, virtual currency, or money service

XXXX Account was frozen after reporting unathorized transactions XXXX, case for transactions was awarded to me, was required to submit ID documents to unfreeze my account, later in the day my account was unfrozen. 
Less than 20 minutes after unfreezing my account, I got another email saying it was now frozen again, with no reasoning or explanation just to contact support. I contacted support and they told me I must wait 7-15 business days for an email followup and that there is nothing they can do or tell me.
Product: Credit card

I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Product: Vehicle loan or lease

I requested at the start of my Loan that my payment be set to the first of each month because I get paid on the XXXX XXXX by XXXX VA XXXX a XXXX. They refuse to do so. Because of that when I fell on hardship in XX/XX/year> and on I wasn't able to pay my Loan on time. I was homeless Vet. As of this date I have paid my Loan on time and has sent more than the regular payment. I ask them to remove the XXXX over XXXX days late payment that they cause me by setting my date to the XXXX of each month which continue to cause me hardship by and stress to pay it. Am not satisfied with their investigation of this complaint they can give me satisfaction by removing the late payment and changing my date. They are doing this because am a XXXX person if I was XXXX  they would help them. They don't help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a suspicious inquiry from BARCLAYS BANK DELAWARE XXXX XXXX XXXX, XXXX, DE XXXX was done with my social and personal information. I never used this bank before. When I called the customer representative and security department the company was asking for my personal information right away ( full social, address full name etc. ) Which I did not disclose entirely. Before explaining to them my concerns of fraudulent actions had occurred. They insisted on getting my full social to assist me any futher. After researching the company 's review, they are corroborate in fraudulent activities. I have reported this to the credit beru, and froze my credit accounts. I am concerned that this company does this often to incident victims.
Product: Checking or savings account

On XX/XX/XXXX at XXXXXXXX XXXX located at XXXX XXXXXXXX at XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. I tried dispensing XXXX $ out of the XXXX ATM inside my store, I had closed the doors and turned away for 20 seconds to talk to my cashier, in the time I turned away the money had dispensed, me assuming I would be okay since the doors were closed and it was only me and him in the store. Little did I know that the ATM would retract that money back into the ATM as soon as I tried to reach for it, it then proceeded to debit my account the XXXX $ and so I obviously printed out the receipt it gave me, even my cashier was in shock that it did that. I was going to pry open the ATM but did not want to be responsible for any damages. I filed a dispute with Chime because unlike XXXX XXXX XXXXXXXX and XXXX which I both bank with, did the same thing, took my money, debited my account but the only difference was that they gave me my money back the very next day as with Chime, its been over 1 week and theyre still investigating when all they have to do is reach out to the ATM company, see there is a surplus amount of XXXX $ for that day, it should not be that hard especially since that ATM was not used for at least another 8 hours because we dont open until XXXX even the XXXX cash pick-up man was confused as to why my account hadnt been credited back for the faulty error. I have my stores camera footage and would be more than glad to send the entire 2 minute footage of the incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to TransUnion about a month ago to clear up my personal information and havent heard anything back yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX a XXXX XXXX XXXX was fraudulently reported on my credit and on XX/XX/XXXX XXXX XXXX  WAS was reported on my credit I ASK that these matters be deleted from my credit report! 

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. 

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : Credit transactions : When a consumer applies for credit, such as a loan, credit card, or mortgage, the creditor has a permissible purpose to request and obtain the consumer 's credit report to assess their creditworthiness. 
Employment purposes : Employers may request and obtain consumer credit reports for employment purposes, but only with the written consent of the consumer. This typically applies to positions that require financial responsibility or access to sensitive financial information. 
Insurance underwriting : Insurance companies may request and obtain consumer credit reports for underwriting purposes, such as determining rates and eligibility for insurance coverage. 
Court orders and legal requirements : Credit reports may be accessed and used in response to a court order, subpoena, or other legal requirement. 
Legitimate business needs : Other legitimate business needs, as defined by the FCRA, may also constitute permissible purposes for obtaining consumer credit reports. This typically requires a valid reason and compliance with applicable laws and regulations.
Product: Mortgage

The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

SHELLPOINT XXXX
Product: Credit reporting or other personal consumer reports

Since filing my last complaint against XXXX XXXX which was allowing a person too retrieve a loan under my credentials and one of my credit and my good name since then I have a litigation attorney dealing with it and we sent dispute letters to all three credit reporting agencies they fixed some of the things but they have a whole lot of inaccurate items that there phone on my credit report even after I sent the dispute letters and had items that wouldn't fix and corrected causing me to not to obtain credit and financial hardship because I can't get obtain my credit report and there are still a lot of hard inquiries and soft showing even after I sent and dispute letters for my attorney I really ask that all three credit reporting agencies fix all those inaccurate things and compensate me for all the struggle because I can't obtain the credit because of these things I ask that they fix these things immediately before I become homeless because I really need to apply for credit on my own so I can come stable again and regain my good name these agencies are TransUnion XXXX and XXXX
Product: Credit reporting or other personal consumer reports

This account was closed by the creditor on XX/XX/XXXX. My total balance due by XX/XX/XXXX was {$520.00}. On XX/XX/XXXX, I paid the balance in full, which left my account at {$0.00}. After the account was paid in full, Comenity proceeded to apply interest charges and late fees. In XX/XX/XXXX, Comenity reported that the account was late to the credit bureaus. I contacted Comenity to inquire about the charges, which were reversed and corrected due to the account being paid in full. However, no changes were made to the credit bureaus. I completed a dispute with all XXXX bureaus in XXXX, which all were corrected with the exception of XXXX, which not only reported I was late in XXXX but reported I was also late in XXXX. I contacted Comenity on XXXX and learned that my account had a credit for overpayment in the amount of {$2.00}. I was told I must email the credit reporting department with the error. I emailed the credit reporting department to be advised a refund was being sent, but a " good will adjustment '' could not be made on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX  and I also have enclosed copies from the XXXX XXXX XXXX XXXX XXXX XXXX Please delete the items as soon as possible.
Product: Debt collection

I received a phone call from National Credit Systems regarding a debt owed to XXXX at XXXX XXXX XXXX in the amount of {$12.00}, XXXX. On XX/XX/2023 I sent a written request for more additional information about said debt, including but not limited to lease agreement, itemized statement, and the collection agency 's right to collect the debt. In response, National Credit Systems sent a generic statement in which did not include any of the requested documentation. I then sent 2 additional requests on XX/XX/2023 and XX/XX/2023. National Credit Systems continued to send a generic statement on XX/XX/2023 and XX/XX/2023, which did not include any itemizations of charges owed.
Product: Money transfer, virtual currency, or money service

Around 2017 I had sent the wrong person money through Zelle on my XXXX XXXXXXXX XXXX app and here was no disclosures ensuring i put the right contact it that there wouldnt be a cancellation if an error happened and I now notice they have enabled such disclosures now.