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

-- Square processed three transactions for {$5000.00} each, totaling {$15000.00}, between XX/XX/XXXX to XXXX, 2019 in exchange for {$520.00}. 

-- The cardholder 's financial institution disputed the charges despite extensive work that was done, so Square extracted {$15000.00} from my bank account on XX/XX/2019 while the case is considered -- This {$15000.00} is in addition to the {$520.00} Square already collected upfront in exchange for the original transactions. 

-- When asked what the additional {$520.00} they are holding is in exchange for on XX/XX/2019, Square was unable to provide details of expenses. Square also indicated that there's nothing else they can do to make a case to the cardholder 's financial institution, despite additional evidence of the original transactions. 

-- Evidence of the services provided to the cardholder in exchange for the transactions, including hihg-value video and media work products with the cardholder appearing in them, were provided to Square as requested, and Square transferred this material to the cardholder 's financial institution. Square indicated that it has done nothing else to make my case to the cardholder 's financial institution and is unable to submit additional evidence for 90 days. In the meantime, I'm left holding all the risk, including an additional {$520.00} which Square has not itemized.
Product: Checking or savings account

on or about XXXX the complainant opening a checking account with capital one, at sometime in the month of XXXX XXXX XXXX  an unauthorized and/or incorrect charge of nearly {$2000.00} dollars was billed to the complainants account by XXXX XXXX XXXXXXXX XXXX XXXX the complainant filed a complaint or/and grievance with capital one in regards to the unauthorized charge. capital one failed to do a proper investigation into the charge in accord with the FCRA and other new york consumer protection laws.
Product: Credit reporting

Someone is beginning to use my identity. They have requested a credit card under my name from XXXX which was denied. Was hacked into XXXX of my credit cards with XXXX XXXX. So far no problems. I suspect who is doing it, but none of the XXXX agencies are doing anything to help
Product: Checking or savings account

Chase was offering overdraft refusals until XXXX ( without notice this reversals were not being conducted in XXXX ) I was utilizing this servie due to life events but when the fees were not reversed in XXXX it has put me into a never ending cycle. Since XX/XX/XXXX Chase Bank has charfed me for XXXX overdraft fees- a total of {$3200.00}. I have finally able to look into the fee history after overcoming the life event & prioritizing fee reversal after coming to a point of calmn. I've called Chase ( multiple depts including Collections dept ) & sent multiple messages through their app center & have felt very little efforts with each rep blaming system limitations. I am requesting for reversal since this was a service they offered & can not find a notice of this offer being discontinued. 

Breakdown of fees per month since XX/XX/XXXX : XXXX XXXX : XXXX fees XXXX : XXXX fees XXXX : XXXX fees XXXX : XXXX fees
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On Q Financial has requested several documents that I have submitted based on each follow up I've performed. The initial application, letter of explanations, and additional letter of explanations to clear up questions/concerns on behalf of their underwriting review. I've talked to their Loss Mitigation department requesting a one time 30 day foreclosure postponement to allow time for underwriter decision, and I've been advised that the online portal they have, they are unable to view documents I've uploaded them until 24 hours. My property will be up for auction tomorrow, and unfortunately I do not have the 24 hours window to wait as my home is up for auction tomorrow XXXX. On Q financial has all of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi I had my Credit Card payments set up automatically and last month my account was shut off without me knowing about it. when I found out I right away called in and they told me that my account is paid up to date but in the end a XXXX  day late showed up on my account
Product: Mortgage

Unfair Practice Pursuant to Section 5 of the FTC Act ( 15 USC 45 ) I recently closed a loan with Loandepot. The closing took place the evening of XX/XX/2020. Included in the closing package was a preliminary settlement statement that included prepaid interest starting on XX/XX/2020, the expected date of funding. I received notice on XX/XX/2020 at XXXX XXXX ( attached ), after close of business, that the loan had funded. The receiving institution posted the three funding wires to my accounts on Monday, XX/XX/2020. 

I requested from Loandepot an updated closing statement that correctly reflected the funding that was posted on XX/XX/XXXX, and a refund of the excess accrued interest on the settlement statement for which I was billed beginning XX/XX/XXXX. Loandepot provided a copy of the funding notice email, already provided on XX/XX/XXXX. I again requested evidence from Loandepot ( see attached email ) that the funding actually occurred on XX/XX/XXXX. That request has been unanswered and had the company provided the necessary evidence to substantiate the claim the funding occurred on XX/XX/XXXX, this complaint would not be filed. Due to the fact that the company can not or will not provide evidence of funding, I can only reasonably conclude that such evidence does not exist. 

In addition, I have ascertained that the receiving financial institution received the three funding wires on XX/XX/XXXX, all after XXXX XXXX  ( wire receipts attached ). This is a full 24 hours after my notification that the loan was funded. In addition, XXXX is after the wire cutoff time for the receiving institution, which is why the funds were not posted to my accounts until Monday, XX/XX/XXXX. I have also attached the payoff statement from the receiving institution indicating a payoff on XX/XX/2020. Since the funds were not available to me until Monday, XX/XX/XXXX, I respectfully request that the accrued interest for those days between XX/XX/XXXX and XX/XX/XXXX be refunded to me.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house and I received a copy of my credit report and found these items to be incorrect. According to act 1970, 15 U.S.C SS 1681 et esq., I demand that these items be reinvestigated and deleted from my credit report. This is defamation of character. 

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: Checking or savings account

XXXX. The first incident took place at my work place, my debit card was taken without permission or consent by an employee who was making multiple unauthorized transactions without my permission, the Dates of the transactions were XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, the credit was awarded to me than it was taken back. 

" I've filed police report for both incident, a complaint letter notarized by the clerks office. and Navy Federal Affidavit of forgery " XXXX. The second incident happen when I was making a {$20.00} Dollar withdraw from the atm at a XXXX, I pulled my debit card out after receiving the funds and realize my chip was scratch, assuming there was a skimming device in the atm, I crush my card together and threw it In the trash at the store, I left that day for my flight, day later when I'm returning I go back to use my account I realize there had been {$10000.00} cent missing from my account from multiple different XXXX across New York, I immediately called navy federal to cancel my debit card, after submitting a fraud claim navy federal has refused to give me my funds back and have gave me a difficult time and argued with me and the funds were for the purchase of my vehicle to go to work, I had to call my sister to purchase my flight back for me fast forward today navy has blocked access to my debit card and has not returned none of the funds and I'm still not able to purchase my car, I need this resolved immediate please and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for damages caused by these violations.

Upon reviewing my credit report, I noticed that your agency has furnished reports in connection with credit or insurance transaction that were not initiated by me. According to the FCRA, thus can only be done if I have given you authorization to do so. Since I have not authorized any such transaction, it is clear that your agency violated the law. 

I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However I want to ensure that your agency also removes these inaccurate information from my report. 

Furthermore, I would like to remind you of FCRA 15 U.S. Code 1681 n ( b ), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustain by the consumer, which can be a minimum of {$1000.00}, which is greater. The court may also allow punitive damages.

I did not initiate any of the inquiries that appear on my credit report. Therefore, I request that you send me a copy of written signature that given consent to this matter, In the absence of such evidence, I demand that you immediate rectify the damages caused to my credit score and remove all inaccurate information. 

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

Hello there, i believe i am the victim of identity theft. My ssn was used in numerious inquiries that i never authorized. Please help me to remove the inquiries and protect my identity.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX GA XXXX Balance {$830.00}
Product: Credit reporting or other personal consumer reports

CARMAX AUTO FINANCE Auto Loan with account # XXXX opened on XX/XX/2016 and a balance of {$7500.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I have asked several times for this Carmax old loan to be removed from my credit report at least 3 times in the last 3 years.
Product: Credit reporting or other personal consumer reports

I lived in this apartment complex XXXX  years ago. The complex went through several ownership changes during my time of living there. There was several issues with the billing and accounting from XXXX owner to the other. I resolved all accounting with the last management and the agreement was made there was no monies outstanding. At the conclusion of my lease, I moved. After moving, this debt appeared on my credit report. I was not evicted, I was not asked to move for non-payment of rent and the dollar amount owed makes no sense in comparison to the rent amount I paid. 

I have contacted the property management, which has changed again 3 times since I moved and I get no resolution. I have been told the records no longer exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain about the inaccurate account information that was reported on my credit report. This inaccurate information has violated my privacy rights and my right to confidentiality as stated by the Fair Credit Reporting Act. 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. 
XXXX XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to have reasonable procedures in place to ensure that information they provide to third parties is accurate and up-to-date. 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: Checking or savings account

On XX/XX/XXXX, I reapplied for a checkings account with Regions Bank. Regions Bank had closed two of my accounts early XXXX however I wanted to continue my relationship with Regions. I was informed that in order for me to open up an account the application mentioned to call regions bank to continue on with my application or appear in person. I was transferred to a debt collection department and an agent representative had told me that in XX/XX/XXXX there was a debt for {$110.00} that I was unaware of. And I needed proof of evidence and a receipt to know why close my accounts to then tell me that I owe when it couldve been taken out of my accounts at any given time I had not known about a {$110.00} debt from XXXX and why now. Refusing to let me open up an account then to tell me I owe for a past debt from three years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report, it is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose. I request you investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Credit reporting

The XXXX of XXXX for XXXX have no record of any documented debts owed by myself..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the numerous time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 reporting, credit repair services, or other personal consumer reports

I have repeatedly requested physical documentation for the following accounts, ( 1 ) XXXX XXXX XXXX XXXX, {$950.00}. ( 2 ) XXXX XXXX XXXX, {$260.00}, {$210.00}, {$180.00}, and yet to receive anything outside of the following credit agencies Transunion and XXXX   saying that account been verified. However in accordance with the policies of The FCRA if this requested information is not received then the accounts shall be removed. Therefore, I have requested the Method Of Verification and never received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions