23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX Account number : XXXX Balance : Balance : {$3600.00} XXXX  Account number : XXXX Balance : {$730.00} XXXX XXXX XXXXXXXX Account number : XXXX Balance : {$3800.00} XXXX XXXX  Account number : XXXX Balance : {$0.00} XXXX XXXXXXXX Account number : XXXX Balance : {$0.00} XXXX  Account number : XXXX Balance : {$440.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$440.00}
Product: Credit card

Is n't there a law that requires credit card companies to apply customer payments to the balance with the highest carried interest rate first? I have a Chase Visa that I 've realized has directed all my payments for at least 5 mos. to my 0 % promotional transfer balance, and left my purchase and expired promotional balances unpaid, which further increases the interest on these balances. I 'm almost certain the CFPB prohibits this practice, perhaps I 'm mistaken, would appreciate your input.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion Credit Bureau, I have contacted you several several times regarding the fraudulent hard inquiries on my credit report and sent you all the documents including FTC report to you. But didn't get any results, so I have to submit a complaint on you, since I couldn't get any assistance from you. These hard inquiries are fraudulent, I never authorized them Please delete the following hard inquiries from my credit fil : XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Funds Transfer act and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

XX/XX/2024 I deposited a check for {$1800.00} via Truist mobile deposit. By the next business day I was unable to access my account as there was now a hold in place. I have been calling almost daily to understand what caused the hold but the only thing supervisors can tell me is because the fraud department is conducting a review and I have to wait. I waited til the seven business days per the email which stated my funds will be available on XX/XX/XXXX. I am now being told that there is an additional hold on my account but there is no time frame. I asked customer service why the additional hold and what happened during the initial review but she was unable to explain as she stated there hadnt been an update to the account. I was told it can take up to a year before I can get my account back. I have checked with the issuer of the check and they stated that the check has cleared but Truist is telling me that its still under review. I had direct deposits as much as the check I deposited leaving me puzzled as to why corporate will flag my account as fraud. When I call my local branch for answers they tell me corporate placed the hold and to call them, I call corporate and they direct me to the fraud department and fraud department says I need to go to my local branch. I just want my account back as this ordeal has caused me many financial problems. Trusting Truist has been one of my biggest regrets and do not recommend anyone to use this bank.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below is not associated with my residence history and must be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXXs customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted equifax as well the creditor to try and get a removal of an unauthorized inquiry involving a removal letter but no one i contacted helped me reach a solution. both companies were contacted on XX/XX/XXXX. after several unsuccessful attempts the inquiries remain on my credit file. unauthorized inquiry XXXX XXXX, XXXX
Product: Debt collection

After reviewing my credit report on XX/XX/2023 I identified a discrepancy with account under Midland Credit Management and validation was requested as this was an account that I did not recognize. I reviewed my credit report again XX/XX/2023 and that account is still reporting without me receiving correspondence showing that the debt was was validated by Midland Credit Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX should be removed from my credit report. There's a new law that has passed in regards to XXXX XXXX. Please refer back to the recorded calls between this company and I.
Product: Money transfers

On XX/XX/XXXX I responded to a XXXX vacation rental listing XXXX # XXXX XXXX for a townhouse located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, FL asking if this property was available for rent for XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX responded by email indicating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL was available for rent for the XX/XX/XXXX period for a monthly rental of {$2000.00} plus a {$500.00} security deposit and a {$250.00} cleaning fee. Payment of these funds was to be made via bank deposit, XXXX or XXXX. 

On XX/XX/XXXX, XXXX XXXX emailed to me a rental agreement form and instructions for the transfer of funds. Funds were to be transferred to a Bank of America account of XXXX XXXX wife - XXXX XXXX. The account # is XXXX and the routing # is XXXX. The bank is located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. 

On XX/XX/XXXX, I completed and signed the rental agreement and faxed it back to XXXX XXXX XXXX XXXX # XXXX ) and transferred {$2700.00} to XXXX XXXX XXXX wife 's bank account, On XX/XX/XXXX, XXXX XXXX confirmed via text, the receipt of the full amount of {$2700.00}. 

I became concerned about internet scams involving vacation rentals and on XX/XX/XXXX I was able to retrieve from the XXXX XXXX Florida public data base a copy of the Warranty Deed for XXXX XXXX. The Warranty Deed indicated that XXXX XXXX XXXX is not the owner of XXXX XXXX and therefore has fraudulently listed this property for rent. 
Subsequently, I spoke directly with the property owner and he confirms that his property is not available for rent. 

I have telephone, emailed and texted XXXX XXXX indicating that I wished to cancel the rental reservation and requested that my deposit money be returned. XXXX XXXX has not responded to repeated attempts to contact him nor has the deposit money been returned. 

Bank of America confirms that XXXX XXXX XXXX bank account has been closed and after contacting XXXX XXXX they indicate that XXXX refuses to authorize the transfer ofdeposit funds back to my account.
Product: Credit card or prepaid card

I purchased some blankets online from a company that I found out are scammers after the point of sale. This was about four months ago. The company is XXXX XXXX  XXXX. I have tried to contact them numerous times about an update on the purchase and inquiring about a refund. All I have received is lies, denial, and obvious disrespect from customer service via email. I filed a dispute with my card XXXX XXXX  CARD. They have strung me along a foreign customer service saying to wait on an update on the dispute until today. I was on the line for 30-45 minutes until they told me my dispute has been denied due to it being legal action. They told me multiple times before this that my dispute was being processed. I have been lied to and scammed with no hope of getting my money back.
Product: Checking or savings account

On XXXX/XXXX/2019 Wells Fargo declined a transaction for the amount of XXXX when I was ordering on line from XXXX. After being notified that the transaction was declined I was advised that if I wanted my product I would need to reorder. About a week later I noticed that I had been charged the XXXX as well as the XXXX from the second attempt to reorder. I never ordered two beds. Had Wells Fargo not declined my initial transaction I would not have reprocessed the order. The price changed but the item was exactly the same. Wells Fargo has charged me the XXXX on XXXX/XXXX/2019 and are refusing to take financial responsibility for the incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under is U-S-C- 1681. 
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 account number # XXXX Name= XXXX XXXXXXXX account number # XXXX Name= XXXX XXXX account number # XXXX Name= XXXX XXXX account number # XXXX Name= XXXX XXXX XXXX XXXXXXXX Name= XXXX XXXX # XXXX Name= XXXX XXXXXXXX # XXXX Name= XXXX XXXXXXXX # XXXX Name= XXXX XXXXXXXX # XXXX Name= XXXX XXXXXXXX XXXX # XXXX Name= XXXX XXXX XXXX XXXX XXXXXXXX Name= XXXXXXXX XXXX XXXXXXXX # XXXX Name= XXXX XXXX XXXXXXXX Name= XXXX XXXX XXXX XXXX Has violated my rights.. 

15 U-S-C 1681 Section 602 A- Stat I have the right to privacy- 15 U-S-C 1681 section 604 A- Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction. 
15 U-S-C- 1681 C- ( A ) ( 5 ) Section state : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other advice item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U-S-C 1681 -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the infomation is inaccurate.
Product: Debt collection

My wife and I were victims of the XXXX XXXX flood in XXXX in 2011. We were offered a FEMA emergency Loan for {$20000.00}, with {$89.00} a month payments for 30 years, which we made monthly payments on. SBA/FEMA turned it over to a private collection agency, PIONEER CREDIT RECOVERY, INC. out of XXXX, XXXX. They threatened to garnish our wages, and we disputed the debt, and the verification came back that we now owe {$20000.00}, when their own form says we only owe {$15000.00} They have refused to honor our requests to go back to the XXXX a month, and I think what they are doing is illegal.
Product: Debt collection

I recently reviewed a copy of my credit report and I am submitting this complaint regarding Midland Credit Management for their violations of consumer rights. Notably, Midland Credit Management has been found in violation of consumer protections in cases such as XXXX XXXX Midland Credit Management , Inc., XXXX XXXX XXXX ( C.D. XXXX. XXXX ), where Midland was found to have violated the FDCPA by engaging in deceptive practices, and XXXX XXXXXXXX XXXX Midland Credit Management , Inc., XXXX XXXX XXXX ( E.D.N.Y. XXXX ), highlighting the companys repeated issues with consumer rights.. These precedents further highlight their pattern of misconduct. Upon reviewing my credit report, I discovered that Midland Credit Management has placed an account on my credit report that was not verified as belonging to me. I have not received any prior notice or opportunity to dispute this alleged debt. 
This action constitutes harassment, defamation of my character, and an outright violation of my rights. Midland Credit Management is collecting on behalf of XXXX XXXXXXXX XXXX XXXXXXXX, further infringing on my rights. 
Additionally, my private information has been improperly shared with Midland Credit Management, further compounding these violations. I demand that this account be immediately removed from my credit report and returned to the original creditor. The presence of this account on my credit report has caused harm to my reputation and subjected me to unnecessary distress. 
I urge Midland Credit Management to cease all collection efforts, remove the account from my credit report, and comply with all applicable laws and regulations. 
Additionally, Midland Credit Management has violated the following FDCPA provisions : 15 U.S.C. 1692e : Prohibits false or misleading representations, which Midland has engaged in by reporting inaccurate or unverifiable information.

15 U.S.C. 1692f : Prohibits unfair or unconscionable means to collect a debt, which includes improper sharing of my personal information.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

City Bank/XXXX Visa will not provide me with a monthly statement and will not resolve the issue and is refusing to dialog with me to resolve the issue. For six months now I have not been able to access my credit card statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent Inquiries on my credit report that Transunion is Reporting, I've contacted Transunion and these creditors and they still have yet to be removed. I have no recollection of giving these companies access to retrieve my credit report. These inquires are from the following companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I purchased a XX/XX/XXXX Chevy Silverado XX/XX/XXXX from XXXX in XXXX. I test drove the vehicle and it appeared to be sound. I drove the vehicle to my job location XXXX. Upon arrival the vehicle began hesitating and dying at stop lights. I checked the oil and it was down XXXX quarts. The engine light came on. I topped off the oil and noted the oil light was acting irregular. In XX/XX/XXXX I put my vehicle in the shop. The shop confronted me and said the oil sending unit was bad. It remained in the shop for XXXX week until the repair was made. Later that month I was experiencing the transmission shifting irregular and not changing gears until reaching high rpm. The vehicle died at the stop lights or upon breaking abruptly. I constantly checked the oil and after XXXX mile trips it would use XXXX quart of oil. At the end of XX/XX/XXXX I put the vehicle in the shop for XXXX weeks into XX/XX/XXXX and they replaced a motor mount, oil valve cover gasket, replaced the spark plug wires and spark plugs and the shop did a drip into the pistons claiming the rings were seized. Than seemed to address the oil consumption. I was still having issues with the transmission after XXXX miles dying coming to stop changing gears at high rpm. I drove back to XXXX. and took it to XXXX on the XX/XX/XXXX. On the XX/XX/XXXX they told me that the torque converter was fried. A Superior agent approved a used transmission from a wrecking yard on the XX/XX/XXXX. On the XX/XX/XXXX the truck was picked up. I paid the XXXX deductible. 
On the XX/XX/XXXX we traveled to our kid's house XXXX for the weekend and encountered the very same problem with the transmission. We stopped in XXXX for gas and the truck would not start. XXXX towing came out with a wrecker and hauled our vehicle XXXX. We had to rent a car XXXX to return back XXXX where we are working.         We got the truck in too XXXX. The service manager called this morning and stated that XXXX lifters needed to be replaced. He quoted XXXX for the repairs. When I asked him about the transmission he said they had to replace the lifters XXXX. I spoke to XXXX who is the Service Manage XXXX.
I purchased a service plan with the vehicle. They would not honor my past repairs and they are dragging their feet on the repairs to the Vehicles' transmission. We had the extended warranty plan, Superior Plan, on the truck  
I have owned this vehicle paying XXXX per month going XXXX months. My repair on this vehicle is well over XXXX bringing the monthly payment to XXXX per month not counting the cost of the transmission repair XXXX 
I have had to rent vehicles while my truck was in the shop in the amount of XXXX on XXXX separate occasions. The rental were XXXX days at a time.
Product: Credit card or prepaid card

I have closed 2 accounts with capital one over a month ago and not only did they not honer the pay offs given to my closing attorney but they are holding the 2 small credits that are on the 2 accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called TransUnion a hundred times and tried to get it to fix its system which did not allow me to make any disputes to anything on my credit report. TransUnion just gives the run around saying that I called the wrong department and that I need to call the " online department. '' But the representatives never give a number to that department, and the automated machine at the general numbers don't offer that option and hangs up on callers. I have had inaccuracies on my TransUnion credit report ( and only my TransUnion credit report ) for many months. I have spent hours, days, weeks, and months trying to get TransUnion to fix its system. I filed a complaint with CFPB several months ago about how TransUnion would not allow me to dispute anything. TransUnion said it was looking into the dispute which was an absolute lie. Even if it had actually been looking into resolving the dispute that I filed before it locked me out, it had been well over 60 days, and now, it has been hundreds of days. TransUnion has actively blocked me from making corrections to false claims on my credit report that have had real and serious impacts on my life even beyond all the time of mine it has wasted. XXXX fixed the inaccuracy in less than a day. It has taken over six frustrating months just to get the ability to file a dispute again after TransUnion messed up my credit report and locked my account. 

I only just today, after many months and countless hours, have had TransUnion remove the error code and allow me to dispute things on my credit report. Now, I will have to wait to see if my credit report issues will also be resolved with TransUnion.
Product: Credit card or prepaid card

I have been receiving statement balances, advertising, and other personal information via email for another person and their XXXX XXXX Credit Card with Citi Bank. I do not have a Citi Bank account and have been unable to unsubscribe from these notifications. I just spent an hour on the phone with their customer support and they refused to remove my information from their accounts or give me an avenue with which to resolve this issue. I simply do not want them to be sending me this email along with another person 's personal information.
Product: Checking or savings account

XX/XX/year> I XXXX, XXXX received a verifiable email from CAPITAL ONE bank stating my XXXX statement was ready. I never open any bank accounts with CAPITAL ONE ever!!! This was done without my knowledge, consent or permission. I called immediately to make them aware of this issue. I was told the account would be closed after I asked how it was ever opened in the first place