23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Called over four times a day. Hung up when my spouse answered. Repeatedly asked them for information and refused to provide or send information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I had a personal load from XXXX that was paid on time twice a month automatically taken out of my checking account.I received notice that they were closing there offices and my loan was going to be handled from another company which says to me that this debt was going to be bought from another company. All of the sudden this company shoes up in XXXX 0r XXXX can't remember the year but, my credit report stated that I had a loan totaling XXXX XXXX.But, in the last few years the info has been changed and updated. I have disputed this company twice and all of the sudden this is a Mortage loan in the amount of XXXX. The credit bureau ( XXXX ) has allowed them to update the info but info is missing and incomplete. I called XXXX on XX/XX/XXXX and the rep told me that my first dispute was not done correctly because information was not answered and left blank.I also wrote XXXX a XXXX credit letter 30 days before I called them stating that they need to provide to me all loan documentation that I signed my name to agreeing to this loan and that if I don't receive this info that this info must be removed. That information was not provided to me in 30 days and the information is still on my credit report.Let me say that I filed disputes with Equifax and XXXX XXXX and they removed this XXXX XXXX XXXX info from my credit report and all the inaccurate info in 30 days.This tells me that there is something not right! 
I have never had a Mortage loan in my life! The info sates that the loan Status Transferred, closed. So, if I owed you money and I did not pay then how is the loan transferred and closed and they are no loner reporting late payments.This Mortage fraudulent activity and needs to be investigated. I listted the account info from my credit report below. 
I applied for a Mortage loan and was turned down because of this information on my credit report reports as a inacurate Mortage. Now how do I get that time back to shop for a loan and not have my credit report ding me for hard inquires.Some one needs to pay! Can I sue? 

Account name XXXX XXXX XXXX  Account number XXXX Account type Mortgage Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Transferred, closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$18000.00} Highest balance {$0.00} Terms NA
Product: Debt collection

Company keeps calling my family members and my place of employment on a debt over 15 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will call my lawyer and file a lawsuit ASAP!
Product: Debt collection

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting

I am continuing to file a complaint against Equifax who was repeatedly wronged me in how they conducted an investigation on an account illegally placed on my file. without my permission a small overpayment which i had paid in full was transferred to the XXXX by my teenage son. I disputed this with the XXXX and took it up with management that they had no right to entrust my financial decisions to my teenage son while i was at work. Then, the manager at the XXXX agreed that it was not right on their behalf to have spoken to anyone besides me at transferring my loan which i had almost completely paid in full so I instantly paid the account off in full on the phone and closed it and they sent me a letter stating that they were sorry for any inconvenience an that the account was paid, never late and not a collection and would not be placed in the derogatory section of my credit report.. Initially, in XXXX, I received my credit report with a derogatory red flag next to the XXXX account but it that no indications as to why it was in the negative section of my file ; no payment history, no status and now remarks. SO I inquired and obviously disputed the account wit equifax, which said it was open and active for XXXX and XX/XX/XXXX, though it was paid and immediately closed in XXXX XXXX. After XXXX dispute letter that took over XXXX DAYS Equifax sent me a letter stating that the account was verified to me and was XXXX days past due until XXXX. This continued to frustrate me because i lost out join a mortgage because of them in late XXXX. I continued to dispute this and asked for proper verification and their descriptions and procedures to be proved to me in XX/XX/XXXX and in XX/XX/XXXX and they refused me any further investigation. I was aware that the information was not properly placed there and so i threatened to take this to the FTC and then they claimed that it was no longer XXXX days past due but that it was a " collection '' item now. Neither XXXX or XXXX are reporting this account negatively and yet Equifax does n't have the updated information like XXXX and transonic. They continue to call numbers that they send me which are not even the correct department. They have also send to false addressed to dispute with the XXXX XXXX XXXX if i had any issue but my mail continually get returned at the addresses which they provide. Please, can i get some proper help against Equifax.
Product: Credit card or prepaid card

Hi, Im due to purchase my first home in XXXX so Ive been monitoring my credit weekly to be sure theres no issues. On XX/XX/XXXX I accessed my credit report via credit karma and saw that an account appeared on my report named Syncb/CareCredit. I also noticed a previous address added that I never lived at XXXX XXXX XXXX XXXX XXXX Florida. The account said it was opened XX/XX/XXXX. There is no balance on the credit card but the available credit is XXXX dollars. I never received any letters, cards, or anything in the mail saying I opened a card. I never applied for a card. The account said I was added as an authorized user. I want this account removed from my credit as soon as possible. My name is XXXX XXXX and I never lived in XXXX Florida or XXXX Florida. The company address is XXXX XXXX. XXXX XXXX, XXXX Florida XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX that is with XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XXXX, the XXXX XXXX we received a letter from loan care stating that our mortgage payments was increasing by {$820.00} from {$1700.00} to {$2500.00} and also, that our escrow was {$6600.00} short. Prior to receiving this notice with this lump sum of over {$6000.00} we were not informed that our escrow had a shortage. After looking over the escrow analysis we noticed that there are mistakes and over estimations in our account, the taxes was estimated to be {$3500.00} which they were only {$2400.00} which is {$1000.00} less. We also, noticed that our escrow account minimum balance is {$1300.00} but we are being charged {$1300.00} a month which is double the amount of our current escrow of {$540.00} a month. As, we went over the account our taxes and hazard insurance went up slightly {$100.00} for taxes and {$64.00} for insurance. There is nothing that should cause our mortgage and escrow payments to have such a major increase. This is not the first time XXXX as made these types of costly errors which can lead to unnecessary equity loans, refinancing and loss of property. On XX/XX/XXXX we paid {$4100.00} which paid the shortage ( {$2800.00} ) and the minimum required balance of {$1300.00} and asked for a new escrow analysis. I was told that it would be completed by XX/XX/XXXX and it was not. I called on XX/XX/XXXX and talk to XXXX for customer service and she stated that until we pay what should be the minimum balance ( {$2300.00} ) instead of what our documents states which is ( {$1300.00} )
Product: Credit card or prepaid card

I contacted Wells Fargo by phone and by email and provided them documents and pictures and notes from other businesses so they could at least apply a temp credit its been 4 months and they are still working on it and have failed to give me a provisional creditDispute Number : XXXX Date Posted : XX/XX/2022 Merchant Name : XXXX XXXX XXXX XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Information Received Since then I had to have the whole engine removed and much more because of the original merchant not doing the correct repairs or repairs that were needed he was guessing
Product: Credit reporting, credit repair services, or other personal consumer reports

I need late payments removed off my credit report as charge off when I refinanced my loan and is currently paying on it. I would like this removed from my credit, because it is negatively affecting my credit.
Product: Debt collection

I have repeatedly contacted this company to get them to verify that this account was mine. The information they sent me does not have my name, address or other information on it. They have violated FDCPA rules in debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} EQUIFAX : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$300.00} ( Original Creditor : ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX : XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed The Erronious nater of the Collection on XXXX and the Credit XXXX XXXX XXXX called the Cllection agency did not ask for proof did not acknowledge that the Service was never used that we sent them proof that the Equipment was returned with a signed, which we downloaded to their site as requested.. this is holding up an Approval and I wouls Appreciate your Consideration in this matter.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and 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 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 reporting, credit repair services, or other personal consumer reports

I noticed an authorized inquiry on my credit report I dod not authorize this company to run my credit this is against the law. I called in and was told it would be removed. they added this to my credit report on XX/XX/2XXXX XXXX
Product: Credit card

On XX/XX/2024, I was informed by XXXX credit card companies that someone was attempting to open new credit cards under my name. The XXXX credit reporting agency annotated their records to show that attempted fraud was committed and shared this information with the other 2 credit reporting agencies. I told XXXX to freeze all future requests for credit, and they shared this request with the other two credit reporting agencies. XXXX, along with the other 2 credit reporting agencies, stated that they can temporarily block future credit requests but that I needed an identity fraud report to retain the credit freeze and restore my XXXX score. I tried to report this problem to the FTC, and their website referred me here.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ). the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) - 1002.142 ( b7 ) .| I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX )
Product: Checking or savings account

When : XX/XX/year> {$15000.00} held/frozen without warning or explanation Actions taken by me : 5 calls to customer service Requested to speak with a US-based supervisor Emergency request to release frozen funds No limited or emergency access to my funds Sudden and additional requests for information not requested upon opening my account No viable, in realtime way to contact Account Services during an emergency , delayed email contact only.

Review Title : Terrible Experience Money Locked Away with No Explanation!

I am writing this review out of sheer frustration and disappointment with my experience using Block XXXX Square for my business transactions. As a high net worth business, managing significant dollar amounts, I expected a seamless and professional service. Instead, I encountered what can only be described as an utter nightmare. 
My business 's funds have been locked away and rendered completely inaccessible without any explanation whatsoever. This has not only affected my cash flow but has also caused severe disruptions to my operations. I reached out to customer service multiple times, only to be met with vague answers and unhelpful responses. The lack of transparency is astonishing, and frankly, unacceptable for a service that is supposed to focus on business transactions. 

I can not stress enough how crucial it is for businesses dealing with high-value transactions to have a reliable and robust digital payment provider. Square has proven to be anything but that. I would strongly advise anyone in a similar position to seek out more professional, dependable options for credit card processing and invoice management.

In conclusion, dont waste your time or money with Square. Your business deserves better than the unprofessionalism I have experienced. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my FEDERALLY Protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct # XXXX XXXX XXXX  XXXX Acct # XXXX XXXXXXXX XXXX XXXX  Acct XXXX XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX I'm looking at my XXXX XXXX credit report right now XXXX, and I Notice ALOT of thing are incomplete and NOT ACCURATE AT ALL. According to the FAIR CREDIT REPORTING ACT ( FCRA ) 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. ALSO ACCORDING to the IRS Canceled Debt ( CHARGE OFF ) is gross or ordinary INCOME. INCOME DOES NOT GET REPORTED ON YOU CONSUMER REPORT. ACCORDING TO 15 USC 1681 ( e ) ( b ), And ACCORDING To 15 USC 1681 ( 5 ) Treatment of INACCURATE or UNVERIFIABLE information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the CONSUMER REPORTING AGENCY SHALL ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or MODIFY THAT ITEM of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been MODIFIED OR DELETED from the file of the consumer, and ACCORDING To 15 USC 1681 S-2 They are suppose to not furnish any information relating to a consumer to any CONSUMER REPORTING AGENCY If the person knows or has reasonable cause to believe that the information is INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following accounts and information off from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$690.00} XXXX  XXXX  XXX Opened XXXX XXXX, XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX FIRST XXXX BANK Inquiry : XXXX XXXX, XXXX. I have read thatt according to the Fair Credit Reporting Act section 605b, you are required by law to remove any acounts and information that resulted due to identity theft, so please comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aaccount : name XXXX XXXX XXXX In accordance with the fair Credit Reporting ACT XXXX  Account # XXXX/XXXX  # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX ON THIS ACCOUNT ACCOUNT IS XXXX PAYMENT ARE MADE FOR XXXX EACH MONTH ON XXXX FOR EACH MONTH! 

THIS IS WHAT I HAVE FOUND THAT Incorrect? 




I have send to Experience and XXXX and XXXX  To Please verify inconsistent in my Report. 
I have submitted certified mail and for Them to verify Information in my credit report. 
I do not understand how they have responded with all accounts have been verified. 
I have found several inconsistencies in My report. 

Note : Experience : Name XXXX XXXX XXXX not XXXX XXXX I have send Copy of drivers license Also the account that they told they Verify Do not match with dates and amounts Also disputed inquires same company several inquiries. 
XXXX  XXXX time! 

Address is not Correct also send them copy of Correct address still not Change. 
Employment information also incorrect have send them my Employment information Still have not been Changed. 


XXXX DATE ARE Incorrect AS PER OPEN DATE and last Reported XXXX Incorrect date ALSO Mix information SAME Inconsistent XXXX  XXXX  Incorrect date on last Reported I have also Requested this Verification from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was inquires from TD Bank USA/XXXX XXXX on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Product: Credit card or prepaid card

Around XX/XX/XXXX, I applied for and received a XXXX XXXX XXXX XXXX XXXX XXXX sponsored by Synchrony Bank. It included an offer to obtain a large statement credit on my furniture purchase ( maybe 20 % of the purchase price but I don't fully remember ). I paid off the credit card and closed it with the first card statement. A few years later on XX/XX/XXXX, I received a credit card statement from Synchrony Bank stating that I had a credit balance on the closed account XXXX. I called Synchrony Bank 's XXXX number ( XXXX ) and they explained that I did have a credit balance and asked me if I would like it refunded via check totaling {$2100.00}. I received and cashed that check on XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from Synchrony Bank stating that I had missed payments on this cash advance, and fees were accruing. I'll call this the Sychrony XXXX XXXX XXXX. Please help me resolve this.