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

There was a computer glitch in TransUnion system that deleted all inquiries from my TransUnion credit report. This problem was TransUnion and not caused by me or any actions of mine. This glitch happened in XX/XX/XXXX and also in XX/XX/XXXX. TransUnion then later added all the inquiries back on my credit file without giving me the legal required written notice of 5 days prior to re-adding them to my report. I contacted TransUnion on XX/XX/XXXX in good faith to ask them to delete the inquiries that they illegally re-added. The representative would not remove the inquiries even though he admitted that the glitch happened. These inquiries bring my credit score down and add a hardship to my credit potential. It is clearly a violation of my rights by TransUnion and a clear disregard of protocol. Please help in stopping TransUnion from victimizing citizens. As a resolution I am asking that TransUnion delete all inquiries from my credit report permanently due to the violation that took place when they were illegally added.
Product: Credit reporting, credit repair services, or other personal consumer reports

The paypal locked my account for no reason. I have around XXXX on it, and I can't access it. I sent them many messages, but they did not answer. Due to this I would like to get a refund.
Product: Checking or savings account

On Wednesday, XX/XX/XXXX at XXXX pm, I received a phone call from Bank of America ( caller ID showed Bank of America, phone number was XXXX which is the Bank of America Small Business Customer Service Number ). The call lasted for 48 minutes. 

This is the summary of the conversation. Bank of America called me to let me know of suspicious activity on my debit card for this account. The representative told me that someone tried to use my card at a XXXX in XXXX, FL. They wanted to verify the past few transactions on the account, and all of the ones mentioned were fraudulent and attempts in Florida. Afterwards, they said they want to make sure the XXXX transfer that has been initiated for {$15000.00} was done on my behalf. I assured them that it was not my attempted transfer. They stated that the money was going to XXXX XXXX in XXXX, FL. 

Bank of America sent me a security code that the representative made me repeat to him the security code sent. That code was sent through the Bank of America system ( a text message thread with other security codes ). 

I was told the representative had to speak to the XXXX department, and then I was put on hold for roughly 20 minutes with the same hold music that Bank of America has. 

The Bank of America representative told me that I needed to initiate the XXXX transfer to myself in order to set up an alert on the XXXX system. I sent myself the {$15000.00} through my own XXXX account/phone number with XXXX XXXX ( not my S Corp name ) and my phone number. 

After I set up the transfer I was alerted that I should see the amount refunded into my account in the next 3 business days. The representative told me his name was XXXX and his representative number was XXXX. 

The next day when the money was not in my account and I had time to think about it, I realized I had been scammed. When I called Bank of America to notify them, I was brushed off and had to continually follow up, even go into a bank branch to authorize my account that had been frozen. 

I filed a police report after the situation and have provided Bank of America with that along with call logs proving the call came from Bank of America. 

They have denied my claim at this point and are not accepting responsibility for this.
Product: Credit reporting or other personal consumer reports

To whom this may concern : XXXX XXXX XXXX XXXX. 

All Minor custodial accounts are to be Transferred to the XXXXXXXX XXXX XXXX XXXXXXXX XXXX no government agencies or financial institutions are to administer the XXXX XXXX XXXX. This Estate is entitled to a full faith and credit and as General Executor/Chief Administrator and acting in full capacity Ive enclosed a copy of the Estate though U.S. Passport and Social Security Card also the probated death certificate in the form of full faith and credit which was authenticated through the California Secretary of State and U.S. Department of the State. All assets are to be returned to the Estate and All taxes are to be reimbursed to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I called Chase bank to request a lower interest rate. I was told that no lower interest rates are available, yet the terms and conditions on their website states it does offer lower rates. When pressed further I was then told that lower rates do exist, but they would not extend those rates to me and keep transferring me around. I feel I am being discriminated against somehow, when I have perfect credit yet will not extend those same rates to me as others.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report. The credit report showed unfair credits acts by companies. Will you please provide me with proof of you being able to display my private transaction history on my credit report. Privacy Act Of 1974 it is illegal to report transition history on your credit report because it is making it very difficult for me to acquire credit. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I want to be compensated for the violations {$1000.00} per violation and Pain And Suffering, Humiliation. 

I've listed the companies name Thanking you in advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX, TransUnion, and XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ) in relation to my dispute concerning a charged-off account from XXXX XXXX XXXX  XXXX Despite my repeated disputes and requests for verification, the credit bureaus have not provided the required verification details, which suggests that the investigations were not conducted reasonably or thoroughly as mandated by law. 

Details of the Account and Dispute : Creditor : XXXX XXXX XXXX Account Number : XXXX Balance Owed : {$520.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Account Status : Closed and Charged Off as Bad Debt Credit Limit : {$300.00} Account Description : Revolving, Monthly Payment Dispute Status : TransUnion XXXX Account not disputed XXXX : Account information disputed by consumer under the Fair Credit Reporting Act XXXX XXXX Account not disputed Bureaus ' Failure to Comply with FCRA Requirements : Inadequate Verification and Non-Response : I requested the method of verification from each bureau, as permitted under FCRA Section 611 ( a ) ( 7 ). None of the bureaus provided a clear description of how the disputed information was verified, the specific steps taken, or the identity of the verifying entity.

Lack of Evidence Supporting Verification : The credit bureaus have continually reported the account as " verified '' without providing supporting evidence such as original account statements, creditor correspondence, or any documentation proving the validity of the charges and reporting status. This repeated failure indicates a lack of reasonable investigation as required under the FCRA. 
Inconsistent Reporting and Dispute Handling : TransUnion claims the account was " verified '' on XX/XX/XXXX but fails to acknowledge my dispute request and refuses to provide verification proof. 
XXXX reports the account as " disputed by the consumer, '' yet no substantial verification details or evidence have been provided to substantiate the reporting. 
XXXX similarly reports the account as verified but closed with a charge-off status, without addressing my verification requests. 
Impact of Non-Compliance : The failure to provide proper verification has caused significant damage to my creditworthiness, financial stability, and has resulted in undue stress. This derogatory and unsubstantiated reporting has negatively impacted my ability to obtain credit on favorable terms and has harmed my overall financial reputation.
Product: Mortgage

XXXX XXXX XXXX sent me a payment reminder notice datedXX/XX/XXXXstating that I missed my XXXX payment. I called the customer care number listed on the statement 7 times and was unable to get in contact with anyone about this. Their automated system states that the payment was processed on XX/XX/, my bank statement says it was processed on XX/XX/XXXX, but the letter that they sent states they did not receive the payment and charged a late fee to my account on XX/XX/XXXX. The payment was sent, received, and processed. I've repeatedly tried to contact them about this but the automated system they are using does not even have an option to speak to a customer service rep, or issues with payment processing. I would like them to correct their mistake about the missing payment, send me an updated statement indicating that they have received the payment ( their automated system says they received it on XX/XX/XXXX ), and remove the late payment fee from my account.
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 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 action shave caused significant inconvenience and financial loss, and I seek appropriate redress of these violations.
Product: Debt collection

Numerous attempts to stop call including do not call list violation. Old debts buying practices to attempt any gain. Debts collections that is not generate or agreements between collector and owner to attempt financial gain.
Product: Credit reporting or other personal consumer reports

My wife and I decided XXXX day to try XXXX XXXX because we heard of their great service. So, on XX/XX/XXXX, we went to XXXX XXXX and got XXXX cell phones. XXXX XXXX XT, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. We tried the cell phones for XXXX days and we were very disappointed with their weak coverage in our area. We had to go outside the house to get at least XXXX bar. You can't do that when it's raining. I always use XXXX to listen to music in my car, but with XXXX XXXX I couldn't even download the XXXX that comes first. Finally, XXXX days later, me and my wife decided to take back the XXXX-cell phones where we initially got them from. We took the cell phone back before the XXXX XXXX  expired. XX/XX/XXXX, XXXX cell phones were return to XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. I have my paper receipt that states all XXXXcell phones were returned on XX/XX/XXXX. A XXXX weeks later, I got a letter from XXXX saying that I owed around XXXX USD. I went to the XXXX store with my XXXX  receipts, and they told me to give it a XXXX days to clear that I didn't owe anything. I went back XXXX more times to the store since the bill kept arriving at my mailbox. I was finally told to talk to XXXX main office because it was clear on their side. To make matters worse, a XXXX XXXX started asking for payment to cover a missing cell phone. As a result, I contacted XXXX support office more than once. Phone calls always turned long and with the same result. I quote here XXXX agent " I see that we only received XXXX phones at our warehouse. This is why you are being charged with the missing phone. Do you have proof that you returned all XXXX cell phones? '' I did email copies of my receipts. But I never got confirmation when asked to get XXXX. I was always told " I am still working on this, but I will send to you confirmation about this case ''. Never received anything from XXXX. However, this XXXX dispute has caused a negative impact on my credit report. This is not fair to me that I am being held responsible for a cell phone that did not make it to the warehouse allegedly. I got XXXX phones at the store, and I returned the same XXXX phones to the same store on time. I have receipts of those XXXX cell phones returned. My credit report has been tarnished from XXXX to now. How am I responsible for the delivery of goods from the store to a warehouse?
Product: Credit reporting, credit repair services, or other personal consumer reports

The information dated XX/XX/XXXX, was never included in the investigation from the time frame and the inaccurate dates of XX/XX/XXXX, all monies owed paid in full and were not apart. I feel the investigation was a violation of the fair debt collection practices act section 623 b. This relates to all three credit bureaus. XXXX, Experian, XXXX.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice.

Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I entered financial hardship and became late paying my American Express credit card account. I closed the account in XXXX of XXXX with an outstanding balance and already late on payments. American Express reported my account with late payments / delinquent then soon after in collections / charge-off. Years later, the payment history on my account was removed from XXXX ( earliest payment history record available as of today ) through XX/XX/XXXX. This payment history was previously reported as late, then updated to " no information ''. American Express has reported the date delinquent on the account as XX/XX/XXXX - more than

15 moths later than the actual date of delinquency. This allows the account to [ fraudulently and unethically ] remain on my credit reports for 7 years from the " date delinquent '' and impedes the CRAs from determining the actual date of first delinquency as advised by FCRA 623 ( a ) ( 5 ) ( B ) 5 or the factual date first delinquent. It is my belief that American Express is purposely and knowingly using unethical and illegal collections practices whereby they remove payment history from consumer accounts and choosing a significantly later date of reported delinquency than the 'actual ' - preventing the consumer from having the account removed from their credit reports thereby continuing to negatively impact their ongoing credit worthiness and financial health.
I can include a copy of my credit reports showing the missing information if required - but prefer to not attach it at this time ... only if it is necessary.
Product: Debt collection

Transworld systems added direct energy to my credit of {$550.00}
Product: Credit card or prepaid card

Im not sure when but my mother opened a credit card account with capitol one under my social security number and XXXX XXXX for {$500.00} with out my knowledge or consent {$400.00} was spent and now my credit is rapidly declining due to the facts she hasnt made payments Ive been trying to despite the charges since XX/XX/2022 when I found out she opened a credit card and nothing has been done except referrals to different places to help dispute the charges
Product: Credit card or prepaid card

I was charged {$15.00} for trailing interests in XX/XX/XXXX, for paying my bill late by 2 hourseven after they charged me {$30.00} in interest in XXXX! 

Going back on my charges, I saw they did the same thing in XX/XX/XXXX. They charged me interest in XX/XX/XXXX XXXX XX/XX/XXXX, for a bill I paid off. When I mentioned this to the representative they said they couldnt help me because I had paid it off.
Product: Mortgage

Subject : Unfair Practices - Mr. Cooper Home Loans/Nationstar Bank In XX/XX/XXXX we reach out to Mr. Cooper to request an Forbearance program due to the COVID 1 9 shutdown in the United States . This was because the virus was spread throughout all of the country. So we contacted Mr. Cooper and they started the paper work for the program and asked us to stay in touch with them regarding our situation and we did. They assured us that after the forbearance that Mr. Cooper goal is to work with its customers. 
On XX/XX/XXXX, after the moratorium end I reach out to the mortgage company to find out what my option were. The customer service representatives encouraged me to start the process for the request for a Loan Modification which would take 30 days or more to process. I filled out the requested forms ( mortgage assistance application, XXXX, pay statement, hardship letter of explanation ). Customer services ask me to submit everything and someone will call me to discuss the options. I stated that the reason for the loan modification was to lower the rate and payment to help us get back on track with paying the mortgage. They said that the forbearance payments would be deferred to the back end of the loan. I was instructed not to make any payments until I heard from customer services regarding the modification option. 
On XX/XX/XXXX, I received an email of declined from Mr. Cooper no one called to discuss the modification option. I spoke with preventative XXXX on XX/XX/XXXX a she stated that Mr. Cooper does not have to abide by the Federal Government lending laws for modifications. She stated this has nothing to do with your information you turned in with your application. The lender instructed the underwriters to not review the application information they chose not to do the modification but request all the money from the forbearance program. XXXX suggested I reach out to HUD Assistance for help she provide the information. I also informed XXXX of out hardship situation regarding my husband and the letter explains everything. She stated that if we dont pay the forbearance amount ( {$64000.00} ) that Mr. Cooper will start the foreclosure process on our home in 2 or 3 months. THIS IS UNFAIR we were not giving the option to do a modification on our home!

I contacted HUD Assistance and Ms. XXXX XXXX spoke with Mr. Cooper to request that they consider review the modification program for us and it was still declined. Ms. XXXX instructed me to reach out to the CFPB for assistance with Mr. Cooper. Im sure we are not the only homeowners who are going through this problem.

Im requesting an investigation be open with regards there loan modification application process. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed this with the credit bureaus 3 times i have contacted the bank ( XXXX XXXX XXXX XXXX ) over 20 times over a 3 month period starting inXX/XX/2017 when i had the loan originated with fm home loans who you bought it from there was supposed to be 4 months of reserves. 3 days before closing the terms were changed by the underwriter and i was not informed.

after XXXX XXXX XXXX XXXX bought the loan i had assumed this went through. i did not receive in XX/XX/XXXX, XX/XX/XXXX orXX/XX/XXXX stating that my payment was due. in XX/XX/XXXX i received a tax bill from my town and a mortgage bill. i call XX/XX/XXXX and asked why i received the bills and if there was money in escrow to pay it, I WAS TOLD YES THERE WAS. inXX/XX/XXXX i received the 30-day late notice from my credit report and immediately call XX/XX/XXXX to find out what happened. they explained that there was no money in escrow for mortgage and that when i was told there WAS they were only referring to the tax bill. I IMMEDIATELY PAID ALL 3 MONTH OF BACK MORTGAGE TO CLEAR UP THE MISUNDERSTANDING.

The 30 days late was not my fault, it was not XX/XX/XXXXfault but a tragic misunderstanding by both parties and i should not be penalized for this. I have provided documentation from both the originating bank ( fm home loans ) and emails stating this.

the only response i get fromXX/XX/XXXX is " we looked into the matter and believe the reporting is correct ''
Product: Vehicle loan or lease

As I stated before, I was told something different. Before I started the process of agreeing to make those payments, removal was discussed. He said it would be taken care of after payments are made. That's why I agreed to make those payments. After I made my last payment something totally different came about. Now, it's we don't do removal and report accurately. Nobody cares what was said before I agreed to make those payments. I agreed to those payments under false pretenses. Again, that's what I was promised, Removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. I did not approve it to reflect on my credit report. I believe I am a victim of identity theft. I have a security lock on my credit report and was not informed or alerted of this unauthorized items. 
I have reported the theft of my identity theft to Federal Trade Commission 's, please review the enclosed copies of the Federal Trade Commission 's identity theft Affidavit in regard to this incident ( ftc report # ). In addition I have attached pdf document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. These items are fraudulent and they have devastatingly impacted my relationships with creditors. Please investigate these matters and remove/delete the disputed items as soon as possible. thank you XXXX XXXXXXXX ACCT # XXXX