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

Hard Inquiries TransUnion report. 
XXXX XXXX XXXX The below inquiries where deleted from my credit report due to inaccurate information from the below creditors and after the recent issue TransUnion was having with security and removals, the below items were once again added back on to my credit report and I did not receive a 5-day notice thereafter. 

I contacted TransUnion requesting that these below inquiries be removed immediately due to the ineffectiveness to accurately report the deleted inquiries that were recently added back onto my credit report. I am requesting this under Fair Credit Reporting Act 611 where in States under Section B : that a notice to the consumer must be given if any information that has been deleted from a consumer 's file pursuant to subparagraph. ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion a statement that the disputed information has been reinserted : the business name and address of any furniture of information contacted and the telephone number of such Furniture, if we double available, or of any furniture of information that contacted the consumer reporting agency, in connection with the reinsertion of such information and I noticed that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

Despite my efforts to comply with the fair Credit Reporting Act 611 TransUnion has refused to remove the reinserted inquiries below. '' This is unjust and unfair credit reporting through TransUnion. 


XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Automotive ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX BL XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX - Automotive XXXX XXXX XXXX XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX XXXX M Inquiry : XXXX. XXXX, XXXX - Automotive XXXX XXXX XXXX XXXX XXXX an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX M XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX NA Inquiry :XX/XX/XXXX - Bank XXXX XXXX XXXX XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash 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 proce 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 caused significant inconvenience and 38 financial loss, and I seek appropriate redress
Product: Checking or savings account

My identity was stolen due to my car being broken into. My social security card, license, debit cards, and credit cards were all stolen. I had a fraudulent XXXX account, fraudulent XXXX XXXX XXXX, and fraudulent loan taken out in my name. I reported this to the US Federal Trade Commissions Identity Theft.gov immediately and froze my credit to prevent any further damage and followed my extensive plan that they provided me.

As I went across my bank accounts to catch the fraudulent transactions before they got out of hand, I noticed a {$420.00} charge on my chime account that hasnt been accessed by me since XX/XX/year>. I immediately called to cancel the cards and change my account info. I provided substantial proof including my identity theft report to chime. They supposedly secured my account which was false. The next morning while I was sleep, someone was back to logging into my account as I got numerous calls/texts from Chime. When I saw these messages/calls I called chime immediately again. The support agent informed me that someone with a XXXX device had access to my account. I do not nor have I ever had a XXXX device in my 21 years. He blocked that phone from having access to my account and made me change my passwords again. Despite all of the substantial proof, chime refuses to refund my money claiming that no error occurred. So chime support admitted via phone call that someone had access to my account yet 7 days later claims that no error accord despite them SEEING proof of fraud on their end?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out via phone and letter to dispute inaccurate info on my credit report. I have yet to get any resolution and have yet to see any investigation. Agents claim everything is backed up due to covid but this unacceptable. They are reporting fraudulent information that has been detrimental to my credit report and has yet to be validated. I am attaching letters that I sent XX/XX/XXXX and still have yet to get any resolution. This is both unethical and unfair practices. I demand that all unverifiable accounts be removed immediately. per the FDCPA section 807 they are in violation.
Product: Mortgage

Freedom Mortgage notified my real estate agent on XX/XX/2019 that the foreclosure activity was on hold to allow for review of the short sale I requested. The representative who advised of the hold is named XXXX and she stated her ID number is XXXX. Unfortunately, when they called back today, they were told my file was kicked out of review and my home is immediately going to foreclosure sale on XX/XX/2019 without time for us to process the short sale. As the hold was so quickly removed, we do not have time to counter the buyers, obtain an appraisal on the property, or even for me to find a place to relocate, as this is my primary residence. I am shocked and hurt that Freedom would be so predatory and deceitful, as to tell us one thing, only to recant a whole week later with such insufficient time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Preserve at XXXX XXXX was filled with rodents. Apartments was filled with infestation of nets, rats, and trash. This property also been on the Televison News station viewed on air publicly for these rodent problems. 
It was reported the whole short period of time, in the beginning and end of 3 months span. Maintenance never fixed any issues This needs to be deleted and removed from my credit report immediately due to the inaccurate reporting.
Product: Payday loan, title loan, or personal loan

I got a car loan from XXXX XXXX XXXX and every time I made a payment my balance never went down for 2 years until noticed 2 yes later and started getting money orders then I started seeing balance get lower but until then no. Overdraft fees that shouldn't have been and also in XXXX of 2022 the atm took my {$150.00} and it NEVER came back on my card and banker act like they couldn't help me. I need up loosing my truck and still owe XXXXXXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was contacted by XXXX XXXX with a third party company called " XXXX XXXX XXXX ''. He stated that I owed a debt in the amount of {$710.00} ( original debt amount was {$500.00} ). This was a debt to the original creditor of " Bank of America '' from XXXX. This is the first time I have ever been contacted regarding this debt. They verified that they had my correct SSN, however this was never reported on my credit. I have updated my contact information with the credit bureau 's with every move. During this call they did not update any of my current information but stated that I either pay or face a civil court judgement due to refusal to comply. XXXX also stated that if I refused I would be ordered to pay three times the amount of the debt. They also contacted my family advising that legal papers were being filed against me tomorrow at my residence. I am concerned about the legal action and this reporting to my credit after 12 years. I am also uneasy that they are contacting my family and stating that there are legal proceedings against me. I have not acknowledged the debt, made any payment or arrangements and have not updated any of my personal information with this company. There are no previous judgements or collection efforts ever made to my knowledge and I think that this is unfair and very stressful. I believe that the statute of limitations on collection of any amount allegedly owed has expired and these efforts to obtain this debt are not appropriate. I asked XXXX to provide me with any type of documents to validate this debt and he stated that the only thing he had to validate the debt was my personal information and contact information from 12 years ago. Please help me resolve this issue to prevent negative impact on both my credit and personal life and finances.
Product: Money transfer, virtual currency, or money service

I requested the medication information from XXXX website. There is a person contact me via test massage on second day. He provide me a name, email for XXXX payment. After I sent money via XXXX, he ask me another fee charge by XXXX. Custom and give me another XXXX account information. I found it is scam. I contacted with my bank and send all the text massage information to my bank, my bank mentioned after research, they can not refund money to me.
Product: Debt collection

I am writing to file a formal complaint against Hunter Warfield, a debt collection agency, regarding a debt they claim I owe to XXXX XXXX at XXXX. The details are as follows : Hunter Warfield alleges that I owe a debt to XXXX XXXX at XXXX. I received a notice from Hunter Warfield claiming that I owe a debt to XXXX XXXX at XXXX. I have no knowledge of this debt and believe it to be a mistake. On XX/XX/year>, I sent a letter to Hunter Warfield requesting verification of this debt, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I requested documentation proving that the debt is mine, as well as details of the original creditor and the account in question. Despite my request, I have not received any response or verification from Hunter Warfield. This unverified debt has caused undue stress and concern, potentially affecting my credit report and overall financial well-being. I kindly request the CFPB to investigate the actions of Hunter Warfield regarding their failure to verify the alleged debt, ensure that Hunter Warfield provides the required verification documentation or ceases collection efforts on this unverified debt, and take any necessary actions to prevent this situation from adversely affecting my credit report. Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

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

Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two unrecognizable inquiries from XXXX XXXX XXXX  business side that arent attached to anything and they are holding my profile back. I also have an unrecognizable inquiry under XXXX XXXX which I have no clue of what it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my first complaint to the three credit bureaus XXXX, XXXX  and Transunion, I requested the method of verification for an account that is being reported on my credit report with the name of XXXX XXXX/XXXX. I sent the credit bureaus a method of verification letter and they never provided me with anything, so I then sent the credit bureaus a second method of verification letter telling them that my first letter was about me asking them for the method of verification for that specific account and still they have not provided me with anything but they still tell me that the account was verified. I know that by law I have a right to ask for the method of verification for an account and the credit bureaus must provide the consumer with this information and I also know that by law and according to what the fcra says, credit bureaus have 15 days to provide the method of verification to the consumer. I want the account XXXX XXXX/XXXX deleted from my credit report because the credit bureaus failed to provide me with the method of verification in 15 days.
Product: Credit card

I applied for a small business loan to open a line of credit for my small business. I was declined because of my personal credit and its for my small business not me. I cant run my company at 100 % without funding. 12 usc 1431 are required by law to fund small business with XXXX with out documentation. I had to show funds and run personal credit. I feel like my equal credit opportunity and consumer credit protection was violated by doing so. I just want funding for my small business. Everyone I talk to did have an answer and they just bounce me around the phone. I have my LLC and ein information what else do I need to get funding for my small business.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I won an auction for two XXXX  on XXXX ... The seller texted me requesting payment through Zelle. I made two zelle payments, through my XXXX XXXX XXXX account, totaling XXXX . The seller no longer exists and there are other victims from gunbroker who fell victim to this scam. The seller used a cell phone XXXX to text with me, and he used the name XXXX XXXX ( phone linked to bank account XXXX ) for the Zelle transfer. This is not fair, please help me. 
Thanks XXXX XXXX
Product: Vehicle loan or lease

The JP Morgan Chase & Co Auto Loan automated system incorrectly reports the amount owed. ( I have an audio recording available, attaching below ). The automated system stated that I owe {$280.00} total payment ; while the collections department contacted me the same day stating that I owe over {$500.00} total and one is 30 days behind. The automated system is behind on reporting the correct amount. On my previous call in XXXX the system did not report any payment due at all. Incorrect information on the automated system caused the delay in payment and was now reported to the credit bureau impacting my credit score by a 100 points and resulting in fees on my account. 

The customer service department failed to address any concerns regarding the automated system not matching what they were saying. 

This is my first missed payment of any kind in 10 years and as a creditor the automated system should report the correct information so consumers can rely in that information to make timely payments. 

It's an unfair and deceptive practice to state a smaller amount owed in the automated system and subsequently charge fees and negatively impact the customer 's credit score if the he/she was misinformed on the amount owed by the Chase Auto loan Automated system.
Product: Prepaid card

I was XXXX  on XXXX XXXX XXXX  XXXX XXXX XXXX and my wallet and phone were in the vehicle. I was driving when it was towed and XXXX XXXX XXXX XXXX XXXX. 
I spent. From XXXX XX/XX/XXXX till XX/XX/XXXX XXXX XXXX XXXX in a ohio XXXX XXXX XXXX XXXX I explained to my case manager that my wallet was in the vehicle that was towed to impound when I was arrested. I requested to use a phone to call and cancel all my credit and debit card asap. Around XX/XX/XXXX I was given the opportunity to call netspend and cancel my cards. I am receiving government benefits that are deposited in the netspend account. The balance of the account was dollars and it should have been around XXXX with the 3 months of my benefits that were deposited into it, XXXX, XXXX, and XXXX I asked to file a dispute at the same time I called to cancel my cards and they said I had to do it on the website and send them a letter with the charges and the amount of each charge I was disputing. I explained that I was in a ohio XXXX XXXX and didn't have access to any of that information. 
I wrote them a letter sending them the court docker sheet showing My arrest date sentencing date. 
And facility I was sentenced to.. I wrote them again for a second time asking them to send me a new card to the facility.I Was XXXX  at so that the day I got out. I could access my money. They wrote me Back stating they could not send a card to a correctional institution I had to wait until I was released. The Day I was released. I submitted. Is it dispute? 
And emailed a letter with all the charger. Their response 10 days later is that all the transactions were verifand the dispute was called them multiple times speaking to supervisors. Their system clearly shows that was XXXX. During the time the 39 charges were made to my account, but they refused to give me my money back after after the dispute was closed. I requested to send me a breakdown of each transaction that was made and why they felt it wasn't reversible.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

When I first applied for a Victoria Secret Card I was turned down. Although I saw other people being approved. I finally received my card, after initiating a call to the Service Center, and verifying questions from my Credit Report. This was the first of many issues I have had with the Service Department of Comenity Bank. Recently I requested an additional card for my daughter. Instead, I received a letter from Comenity Bank indicating the process was delayed because they were not able to reach me with the information provided.

I called Comenity Bank, explained the situation, and was told I would be transferred to the Service Department Supervisor ( as I was when the account was first approved ), but instead I was transferred to Fraud Prevention. The Agent answering in Fraud Prevention indicated it was unusual that I would be transferred to Fraud. She indicated my scenario was common and could have ( should have ) been handled by the Service Department Supervisor. She suggested that she transfer me back to the Service Department Supervisor, with a soft hand off, informing the Service Department of their error. I waited 30-45 minutes for someone to pick up. No one ever did.

I tried to sign on to my online account, so that I could write the Service Department. But my password ( although verified and saved ) was not recognized. I went through the formality of changing my password ( to the same password I previously assigned ). I left a detail secured message. I received a rude, unprofessional response from the Service Supervisor, who never addressed the service failures. In my secured message, I requested a call from a Supervisor, and to be sure I recognized the call number, I requested the number from which to expect a call. I have yet, to not only receive a call back, but even a response to my secured message. Today I tried to sign into my online account, and YES. Once again, my password could not be recognized. This is ridiculous. Enough is enough. I hasten to believe that all customers are treated with such disparate treatment.
Product: Debt collection

On XX/XX/2021 I sent a letter to MIDLAND FUNDING LLC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.