23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I recently set up a square business account since I am working on starting my own LLC. I completed a job for my current employer but it was not a part of my salary job. I sent and invoice to the XXXX who paid the invoiced amount via bank transfer. I have waited 6 days and my invoice payment was finally processed but now square is holding the transaction until they have reviewed it. I called square to see if I could expedite this process and was told that the funds would be release by the end of the day. I submitted additional paperwork and called back to confirm that they received it and was told that the previous person I spoke with was incorrect and that I would still have to wait the 2 days that will end up being 4 days because of the weekend. I asked for the information of the personal o spoke with previously and to speak with a manager and was denied by the rep stating that the manager agreed with them. Square is holding {$3000.00} of mine that o worked hard for but had no problem taking their cut of the money.
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the XXXX XXXX XXXX. I want these items deleted from my credit reports effectively immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my XXXX credit reports. 


1 ). XXXX XXXX XXXX ( Original Creditor : XXXX XXXX Account # XXXX - {$2100.00} Date XX/XX/XXXX 2 ). XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. ) Account # XXXX - {$2700.00} Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

have identified information on my report that are result of identity theft these accounts do not belong to me 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: Credit card or prepaid card

XXXX - Purchase date for 3D printer - I paid with my discover card through XXXX to the manufacturer XX/XX/XXXX - Asked to return the printer ; return label was sent by manufacturer XX/XX/XXXX - shipped the printer back to the manufacturer?? Filed a dispute with Discover card to stop payment on the faulty printer XX/XX/XXXX - Discover denied the dispute ; we appealed XX/XX/XXXX - Discover denied the dispute ; we appealed XX/XX/XXXX - Discover denied the dispute ; we appealed XXXX - Threatened the manufacturer with charges of theft ; at this point they had my money and the returned printer, from my perspective. 
?? - Manufacturer got back with me via phone and said that XXXX told them that Discover ruled in favor of ME in the dispute. Discover denies this. Manufacturer agrees via email to refund me the money, but won't do it until the payment is processed through to them. Manufacturer says that XXXX is telling them that they haven't received notification from Discover that the dispute has been resolved in the manufacturer 's favor. 

Today, I spoke at length with Discover asking them to email me proof that the dispute resolution has been sent to XXXX. They agreed to mail me a copy of what they've already sent me, but will not produce proof of what they sent to XXXX. Discover will not send the required notification to XXXX to release the payment to the manufacturer, therefore the manufacturer will not process my refund. 

Now, I don't have the money ( ~ {$1900.00} ), I don't have the faulty or a working 3D printer, and I don't have any way to prove to the manufacturer that they will get paid so that they can refund the money. To the best of my knowledge either XXXX or Discovercard has the money. The manufacturer has the returned printer. I have nothing. 


Purchased a 3d printer to make masks for local first responders due to COVID. Time sensitive purchase. The printer came in and never worked correctly, so I returned it. The manufacturer at first told me that they couldn't refund my money because of their return policy. So I began a dispute with Discover Card. 

Discover Card ruled in favor of the manufacturer.
Product: Credit reporting or other personal consumer reports

I would like to dispute these negative accounts on my credit report. My letters have been disregarded and Ive been receiving letters from bureau stating Im using a 3rd party which is not true. 

Equifax : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

Opening account with XXXX XXXX Bank on about XXXX with XXXX accounts checking, saving, then got a letter from Key Bank XXXX XX/XX/XXXX that I reported fraudulent on my account and that is not true, I contacted the bank to resolve the matter and on XXXX XXXX the letter was send stated that my account was not in accordance with Key 's deposit Account Agreement and my account was closed. I reach out to resolve the matter and attempted to get my money back and the representive keep telling me that is under review, today is XX/XX/XXXX no resulted back yet! I would like to get fund bank to utilized everyday expense, How long they can hold one 's finance?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my bank updated it's internet application which connects to Experian, my credit reporting site. Well in the process my account became disconnected. And I lost all my credit. It wasn't my fault... they switched to biometric login. Finger print ... .so I switched back to password login and tried oh so many times to rehook it up to get my score. Now I been paying about XXXX  extra a month to live because my bank app updated. And they tanked my score to no score. And I've called several times since this has happened ... ..no one can help me. What do I do... .was n't my fault. And now last 2 month has costed me about XXXX dollars to live the last 2 months, just because my bank app updated ... and Experian tanked my score which was XXXX, ..a good score. And now nothing. My insurance went up ... by XXXX of dollars ... I can not get I or any apartment 's, this is not my fault by the way. I have tried everything to get my score back Now about XXXX dollars in the home because of so wrong not my fault. And I have become XXXX last month... XXXX XXXX and XXXX XXXX XXXX.. .ca n't work and here my money flies even quicker from my hands cuz of something not my fault.. I have tried for 2 months to fix this ... ..no one can help me... .and I'm falling behind cuz of it ... ..I about to pay a lawyer and do a lawsuit because it's cheaper than paying high prices because of a lil app updating. Cost me over XXXX already... ..when is enough enough! I could see if I did it., .and it was my fault. But this is crazy. Now I'm broke... .no credit ... .no where to go... .ca n't even bur myself and inner because of a bank app updating has destroyed my life last few months. Yes not my fault ...., it is what it is... .giving up hope on humans. This world is so lazy and XXXX  talking to people who never help me. I can see shy people flip out.
Product: Credit reporting

Equifax and XXXX are reporting an installment account with XXXX XXXX as a Joint contractual liability, I do not know what this account is nor did I ever sign any documentation with this company. I have disputed it several times and as you can see the credit reporting agencies just writes in the comments " customer disputes but resolved '' this issue was never resolved? I received no validation documentation of what this is nor where my signature is nor that this account belongs to me, as it does not. If no proper support has been provided to the Credit Agency this accounts needs deleted from my account. Please see account comments listed on XXXX Equifax and XXXX as a result of my disputes. Again, I received no validation documentation and have no clue how either company validated this debt as I have never heard of this company nor had any joint contractual liability in that time frame.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  overcharged me on a car loan with them in 2021 when I first started with them. they were reporting last payment on my credit even when I paid them which caused my credit so go down. the loan that was financed was double what the vehicle was for. i reached out to XXXX XXXX to verify the information and was told the information would be sent to me via mail. never received anything. they are still reporting incorrect loan amouth and days paid on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2018. My husband filed for XXXX  XXXX bankruptcy protection. Because of this I had a credit card that was erroneously closed because my husband was an authorized user. The creditor, TD Bank/XXXX, at that time immediately closed my account and reported the account as charged off. 

Under standard bankruptcy law. Once a debt is under an automatic stay. All collection activity must be stopped. Reporting accounts as anything other than included in bankruptcy would be a form of collection activity. As the creditor is clearly trying to compel payment of said debt by reporting the information in a negative fashion. 

While Ill agree this is not my bankruptcy. The creditor chose to include themselves in this bankruptcy. My husband was an authorized user on this account and his information was never used in the determination for credit approval. This account up until this moment had always been paid in time with no negative reporting taking place. But XXXX upon learning of my husbands bankruptcy opted to show at the meeting of the creditors and opted to include this debt and in his bankruptcy. By doing so they subject themselves to the requirements of the bankruptcy. They are obligated under the bankruptcys automatic stay to cease all collection activity. 

I have tried on multiple occasions to dispute this item on my credit report. I have presented evidence to the credit bureaus that this item was included in a bankruptcy proceeding. However nothing is ever completed or updated accordingly. This item continues to report as an active charge off on my credit file. Even though XXXX clearly expects to be either be paid or discharged through this bankruptcy proceeding. 

This item should be removed as being wildly inaccurate concerning my payment history. As I have paid this account on time every month. It wasnt until they chose to subject themselves into a bankruptcy proceeding that they closed the account and reported as a charge off. They could have opted to remove the authorized user and keep the account open and continued receiving payments.
Product: Bank account or service

Hello, There was a unauthorized bank withdrawal transaction to my account and after the fact my direct despoit check ; from my XXXX Job is gone because the bank says I owe them money. Please help me get my XXXX plus dollars back.
Product: Credit reporting or other personal consumer reports

Dear equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. THERE NO NOTICE OF DISPUTE 2. Different last payments from XXXX  & EQ 3. The payment history have no late payments so the account status is incorrect. 
4. LATE PAYMENT STATUS ON EQ SHOWS 60 days MAYBE UPDATED TO 80 days late BUT THE ACCOUNT WILL STILL BE INCORRECT CAUSE XXXX REPORT 90 days late. 
5. DIFFERENT OPENING DATES : XXXX HAS XXXX EQ HAS XXXX. Wrong information 6. Remove account due to incorrect or inaccurate information FCRA RIGHTS 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

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

On or about XX/XX/2021 I mailed a demand letter to Equifax, regarding alleged accounts on my credit reports of which I am not familiar because the account numbers states. 
XXXX, XXXX XXXX, XXXX XXXX I notified Equifax in the letter that pursuant to the FCRA 623 of their responsibilities and pursuant to FCRA 611 ( 15 U.S.C. 1681I ) Procedure In Case Of Disputed Accuracy they are to investigate and delete any inaccurate information on my credit report. As of XX/XX/2021, I have not received any response regarding my demand letter.
Product: Debt collection

XXXX XXXX XXXX C/O XXXX XXXX XXXX Ref ID : XXXX Account # XXXX XXXX XXXX, XXXX C/O Credit Controll, LLC Our account # XXXX Original account # XXXX I sent a dispute request to each of the 3 credit bureaus in XXXX of 2019 for validation of an account discovered on my credit reports, with XXXX XXXX XXXX. After receiving a notification from the credit bureaus explaining that the account was validated, I contact the 3 bureaus to find out what evidence was used in the investigation and if I could obtain copies. Each of the bureaus explained that documented evidence was not provided and is not required for the bureau to obtain. I was then referred to the organization reporting the account to the bureaus. 
On XX/XX/2019, I mailed a letter to XXXX XXXX, XXXX requesting valid proof that I authorized and/or agreed to the terms and the initiation of this account. I also asked for all documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected. This includes an agreement that bears signature of the alleged debtor where he promises to pay the original creditor. I also asked them to state whether or not they have this documentation to provide. ( Doc attached ). 
On XX/XX/2019, I received 3 letters from XXXX   XXXX XXXX. 2 letters came from XXXX  XXXX - C/O XXXX XXXX XXXX and the XXXX came from XXXX XXXX - XXXX Credit Control , LLC. The first letter from XXXX XXXX - XXXX XXXX XXXX XXXX, dated XX/XX/2019, stating they received my request and a review of the inquiry has been initiated ( Doc attached ). The second letter from XXXX XXXX - C/O XXXX XXXX XXXX, also dated XX/XX/2019, stating that they verified the debt and included an account summary which didn't validate that this is my debt ( Doc attached ). The 3rd letter from XXXX XXXX - C/O Credit Control, dated XX/XX/2019, stating that the account has been placed with Credit Control LLC. it also included offers to settle the account.
Product: Credit reporting

XXXX account # XXXX has agreed via the XXXX to remove account with all he credit bureaus. XXXX and XXXX have removed the account on XXXX/XXXX/15. I need Transunion to remove account immediately so I can close escrow. Please remove midland from my Transunion report immediately. Thank you
Product: Mortgage

The last letter i recieved from XXXX XXXX XXXX stated that they were reviewing our case and would let us know of the decision in a few days. That was XX/XX/XXXX. Then i called to check statis of modification on XX/XX/XXXX and they stated they could no loner help us that they had transfered all of our documents to bayview loan servicing and cloaed our account .i resent all info to bayview account manager who told me through email that he had recieved the last of the documents which was proof of change in address and he would contact me within 14 days. Today i recieved a letter after calling XXXX XXXX with bayview and emailing him back with no response, stating to us our house wwould be sold on XX/XX/XXXX. Thats the response we recieved this is unfair we are losing our home because of these people and i wish someone would please review all my documents.
Product: Credit card or prepaid card

On my Citi bill were charges I did not authorize. 
Offer XXXX promotion : XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX Offer XXXX promotion : XXXX -- XXXX TOTAL : {$1300.00}. 

I called today to tell card company I did not authorize & did not know what the charges were for. I was told it was an XXXX  promotion to lower fee from 19.6 % to XXXX & now promotion is over they are charging for it. I explained I pay my bill in full every month so had no need for this & would not sign up for it. They insisted I did which I did NOT & refuse to drop charges. Can you help me get my money back? I was so upset I closed account.
Product: Credit reporting or other personal consumer reports

Formal Request for Removal of Inaccurate Late Payments on My Consumer Report : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). After carefully reviewing my credit report, I have discovered several accounts and notations that do not belong to me or are otherwise inaccurate.

I am writing to formally request the removal of inaccurate late payments from my consumer report under the authority provided by federal law, specifically 15 U.S.C. 1681a ( 2 ) ( i ) and 15 U.S.C. 6802. After reviewing my credit report, I have identified certain late payment entries that do not accurately reflect my payment history and believe they should be corrected.

Under 15 U.S.C. 1681a ( 2 ) ( i ), which defines consumer report and governs the use of my personal information, I request that the inaccurate entries in question be re-investigated and promptly corrected or removed. Additionally, under 15 U.S.C. 6802, which governs how my financial information is shared and handled by institutions, I expect that my personal data, including the incorrect information being reported, is handled with the utmost care and in compliance with the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following entries are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These inaccuracies are a violation of my rights under the FCRA, which ensures that consumer reports must be accurate, complete , and verifiable. 

As previously filed i am requesting the removal of the accounts.
Product: Debt collection

I had an account in collection with Associated Credit Services, Inc regarding XXXX XXXX XXXX. The account has been paid and stills showing in my credit report as collection. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Some one stole my identity and added their name to my USAA account I informed USAA on the XXXX XXXX XXXX that an individual by the name of XXXX XXXX had stolen my identify and added his/ her name to my USAA account and USAA has failed to remove the fradulent name and activitys off of my account as of XXXX XX/XX/2024 I ask that you assist me in having the individual removed from my account asap because its obvious that the unknown person has stolen my identity
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts [ XXXX XXXX XXXX acct # XXXX ], [ XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX XXXX XXXX late not acurate no lates ], [ XXXX XXXX XXXX acct XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX no lates not acurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are not complete and accurate. And one more thing according to 15 USC 1681s-2 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. 

also i never lived at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a check by mail from a company/business as a payment to wrap my car with XXXX Ad, I deposited the check to my account thru the mobile app, few days later when I call to check if check has cleared I was informed check was fraudulent and my account was closed and reported to the XXXX, but I think I was a Victim of Fraud, I filed a dispute with XXXX and provided copy of all the email messages I had with the company that had mailed me the check.
Product: Checking or savings account

On XX/XX/2022, I used the Cardtronics ATM inside of the XXXX store located at the intersection of XXXX XXXX and XXXX XXXX XXXX. I attempted to withdraw {$400.00} from my XXXX card provided by Fifth Third Bank. The ATM malfunctioned and I received a receipt saying that my transaction was denied. The money was still removed from my account. I called the number on the machine and the agent referred me to my bank because there was NOTHING that he could do. So I called my bank on numerous occasions, and each time I was told that my money would only refunded within 45 business days and that there is NOTHING that they can do. I even spoke with a manager called XXXX who insisted that I won't have any money until the investigation is complete. 
Obviously, I need the {$400.00} to pay bills. Please help. There should be a way for me to have access to {$400.00} before 45 BUSINESS DAYS!!