23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hi Square : On XX/XX/XXXX, Square deactivated my account and informed me that my funds would be on hold for XXXX  days. After multiple emails, failed phone calls, and reaching out on several platforms, I decided to file a complaint against Square. Eventually, I received a notification that funds from my Square checking account were being transferred to me. I called asking when the XXXX in my savings account would be released and no one from

Square was able to provide any information and my bank confirmed that the transaction was never initiated. Furthermore, neither of the Square reps were able to find the transaction and even requested that I provided a screenshot showing that I was emailed about the transfer being on the way. The last representative stated that the transaction did not go through because the bank account could not be verified. However, Square made a deposit into the very same account on XX/XX/20 after deactivating my account. So it's lost on me how there is suddenly an issue with verifying the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving recent notices that I've been the victim of identify fraud, I started retrieving and reviewing my credit reports for errors. As such, I've noticed a few items that are completely incorrect in their status reporting or they are simply not mine. These have been previously requested to be disputed and either no response was provided andor no action was take as I've been told that the information was previously investigated. 

The credit item in question that's presently reporting as Paid Collections under the name XXXX. This item is reporting on all three of my reports. 

Then something called XXXX XXXX XXXX is reporting only on my XXXX report.
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.

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 ) 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: Debt collection

I.Q. Data International, dba XXXX XXXX XXXX says that I owe them {$1300.00}, a debt that the alleged original debtor confirmed that I do not owe this alleged debit. 

Why is I.Q. Data International is requesting payment for a false debt? 

Please removed this fraudulent collection account from my credit reports immediately. 

I have attached Identity theft report for review and action.
Product: Mortgage

I have been trying to log in for a week to pay my mortgage since XX/XX/23. The first few days, the website either refused to load, came up as a 404 error, etc. I have received no communication from Lakeview LoanCare re : this outage. I found out via XXXX and XXXX news sites that their website is down and has been down for over a week. On XX/XX/23, I tried to call them and was on hold for over an hour on two separate occasions. I tried to use their online form and was greeted with errors that prevented submission. I tried to make my payment when the website finally loaded after receiving an email from Lakeview stating they were back online, and was greeted with the error " Hmm, something went wrong. Try again later. ". I am still not able to pay my mortgage or reach anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Also, the creditor of this account, which is Bank of America confirmed that they DO NOT have any physical proof, a signed document with my signature on the account. Not only that, they also confirmed that my SSN was added to the account only in XX/XX/2019, which is IMPOSSIBLE as I have been disputing the account for over 1 year and bank of America did not have even my SSN on records at the time of the application, which again, could have been ANYONE who applied in my name online. 

BOTH XXXX  and XXXX  DELETED IMMediatly the Bank of America account as Bank of america can't provide ANY evidence of this account belonging to me. 

Please finally delete this account, it as been impacting my credit and limiting my life.
Product: Credit card or prepaid card

On my Citibank statement of XX/XX/2018, my balance was {$3500.00}. As a result of my divorcee, as pasrt of the settlement, the agreement required the payment of the balance by my wife. That payment was made by her attorney which should have left a " {$0.00} '' balance. 

The payment was posted to the account on the XX/XX/XXXX statement. Despite the foregoing payment they charged a late fee of {$25.00} and interest due of $ XXXX.The XX/XX/XXXX statement reflected the balance at {$48.00}. When the XX/XX/XXXX statement came in, I paid that amount in full. Again they added {$35.00} in fees and {$0.00} in interest. I spoke to Customer Service about the charges and during that conversation, I requested that the account be put on auto pay. The XX/XX/XXXX bill came in and the auto payment was not reflected on the account which they say they had no record of. Under the circumstances, I can not prove the request for auto pay but feel that this matter has gotten out of control. To add insult to injury, they have also reported my late payments to the credit bureaus. I am on social security, have no pension and work 2 jobs. I have tried with good faith to take care of this situation but have been unsuccessful in trying to work this out with Citibank.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Unauthorized Credit XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX to formally dispute the accuracy of the unauthorized credit inquiries listed on my credit report. I request that these inquiries be deleted from my credit file in accordance with the provisions of the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX et seq. 
Upon reviewing my credit report, I discovered that the following credit inquiries were made without my authorization : Inquiry by XXXX XXXX XXXX [ XX/XX/XXXX ] Inquiry by XXXX XXXX dated [ XX/XX/XXXX ] Inquiry by Factual Data XXXX XXXX XX/XX/XXXX ] Inquiry by XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX ] Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX, a credit report XXXX only be accessed by authorized parties with a legitimate need, such as in connection with a credit transaction initiated by the consumer. These inquiries were not authorized by me and therefore should not appear on my credit report. 
Based on the above, I respectfully request that you delete these unauthorized inquiries from my cred-it file for the following reasons : XXXX. XXXX XXXX : According to XXXX XXXX. XXXX, credit inquiries must be authorized by the consumer or made for a legitimate purpose. These inquiries were not authorized by me and do not meet the criteria for permissible purposes under the FCRA. 
XXXX. Inaccuracy Under the Fair Credit Reporting Act : Under the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX et seq., I am entitled to an accurate and complete credit report. Since these inquiries were not authorized, they are inaccurate and should be removed from my credit re-port. 
In light of the above, I request that you conduct a thorough investigation and delete these unauthorized inquiries from my credit report. Please provide me with written confirmation of the results of your investigation and any actions taken regarding this dispute. If you are unable to verify the legitimacy of these inquiries, I expect them to be promptly deleted from my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Collection Bureau of America My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. Please remove this collection from my credit report.
Product: Checking or savings account

At BMO online services I deposited my Work check the check was approved. I had an email saying it was approved. It would take two days business days for the funds to be available. They are now saying that they are putting a 10 day hold due to making sure the check will go through Mind you this is been my normal payroll for a while. Only difference is I used to get direct deposited but because of fraudulent activity on my account we had to change the checking account number so I had to also change my direct deposit but this is always been my bank since Ive been working for over 10 years, I feel its an unnecessary amount of days for a local check that I couldve walked into. The check is a XXXX XXXX check from my employer and the check is only for {$1800.00} I feel that Im just being taken advantage of.
Product: Payday loan, title loan, or personal loan

Me and my wife have been Bank of America customers for over 25 years and have maintained both checking and savings accounts with the bank. Throughout this period our loan applications were either denied or not even responded to despite our proof of income and excellent credit ratings. 
We have never been able to successfully get a loan with the bank, despite the relationship and yet we could get loans from other banks that we have little or no relationship
Product: Debt collection

XXXX XXXX they received there equipment years ago and I have been dealing with this false reporting. Its not fair for them to do people like this. And then after they make your credit bad because they lie. Then they pertain like ok the equipment to old. You got your stuff on time and paid the bill its not fair.
Product: Student loan

I previously filed the following claim : Case number : XXXX. At the conclusion of the claim, I received the attached letter from XXXX. The letter states my payment terms are for 24 months. The repayment plan began in XXXX of 2015. 
On XXXX XXXX, 2015, I received the attached letter from Great Lakes. The Great lakes letter has my monthly payment increasing, after just a few months of payments, over 240 %. With the next payment being due XXXX XXXX, 2015. 
If I call Great Lakes I am told to call XXXX. If I call XXXX I am told to call Great Lakes. 
I just received a job offer and I have to borrow money to relocate. Plus, missing a payment could damage my credit enough to cause me to lose the job offer. 

What is happening is not right. Please investigate for me. 

Thank You, XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I had sent a wire transfer for {$6400.00} from my Citibank checking account to my sister in XXXX. On the transaction receipt it was mentioned that the money be available by XXXX XXXX or even sooner. As of today ( XXXX/XXXX/XXXX ) neither my sister received the money, nor the money has been returned to my account. I called Citibank around XX/XX/XXXX to check the status of the wire. I was told to provide my place of birth and proof of my citizenship. Per the requirements I had provided copy of my US passport and disclosed my place of birth. I have made several calls ( calls dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to Citibank Wire Specialty Unit and every time I called I got a totally different answer or information from a Citi rep :. 

What I understood that the wire was blocked for XXXX reason as my name is " XXXX XXXX '' and the money was going to XXXX. But Citi never confirmed that me and told me that the money was released and held in XXXX. My sister checked with her bank, XXXX XXXX XXXX XXXX XXXX ), and she was always told that the money never made to XXXX. 

All I want that either the money credit to my sister account, or return to my account. I has been over 100 days and no one at Citibank seems to track the wire. It is hard to believe for a bank like Citi to having difficulties tracking the wire. This delay makes me believe that Citi is not treating me right. 

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

XXXX XXXX ( FINANCE ) has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than XXXX years. 

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

I have sent them an identity theft report as well as a police report to show fraud was done in my name. i have sent this information to the company as they requested and they have yet to respond or delete
Product: Checking or savings account

XX/XX/XXXX : Discover allowed a payment to be processed by XXXX XXXX XXXX in the amount of {$260.00} even after a stop payment was put in place by Discover at my request for all payments initiated by XXXX XXXX XXXX as of XX/XX/XXXX. This stop payment was supposed to stop any and all payments ranging in amounts from {$1.00} to {$30000.00}. When I called to fight the processed payment, Discover said that a stop payment didn't really mean anything and that they could not guarantee that future payments wouldn't be processed. They refused to honor the stop payment and reimburse my money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act, the following accounts have violated my rights XXXX XXXX  account # XXXX opened XXXX XXXX account # XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason 15 USC 1681 sec 602 states I have the right to privacy.

15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent
Product: Credit card or prepaid card

I had a SYNC/TJX COS Credit Card I was never late or delinquent on any payments. I had a XXXX balance on this card and the Creditor closed the account due to inactivity or because it wasn't used as frequently. The creditor closed the account without my knowledge or permission thus affecting my Credit negatively
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a credit card open with XXXX and I was denied, cause of a credit score. After calling XXXX I was told something was in collections and to call experian. After calling experian multiple times I was unable actually get a hold of someone to tell me what is in collections. Experian even gave me the option on the automated message for the XXXX XXXX and I hit that button and experian hung up on me saying " we are unable to help you, goodbye ''. Then I am calling XXXX to try to get an actual phone number for this credit company and they refused to help me saying I have to call this credit companies there is nothing else they can do to help me. I even have it on my record of me calling them three times to try to get a different phone number or get somewhere where I can find out where my collection is that I have no idea about. No one has been able to answer any of my questions and the credit company is refusing to help me as well and just hangs up the phone on me because there is no one even able to speak to. And now XXXX refuses to reveal what is in collections and will not give me my credit report that I am lawfully owed for free.
Product: Debt collection

This debt collector has numerously contacted my family members and employer. He also calls once or twice a day. Repeatedly.
Product: Checking or savings account

-I opened a BMO Alto XXXX XXXX Account XX/XX/XXXX, Account number ending in XXXX -I transferred {$28000.00} into BMO Alto XXXX XXXX Account from XXXX XXXX  XXXX XX/XX/XXXX -Money arrived and posted to BMO Alto XXXX XXXX Account -I transferred {$28000.00} from BMO XXXX XXXX XXXX  Account to XXXX XXXX Account on XX/XX/XXXX -Received email from BMO Alto on XX/XX/XXXX that they added an Account Freeze Restriction to my account XXXX BMO Alto pulled {$28000.00} from my XXXX account back to the BMO Alto XXXX XXXX Account and Froze my BMO Alto account -I called BMO Alto on XX/XX/XXXX and they told me my account was frozen due to high risk activity / fraud and transferred me to their fraud department ( XXXX ) -Fraud department stated I needed to submit statements from my XXXX account and pictures of my driver 's license to conduct an investigation ( i sent this detail to XXXX on XX/XX/XXXX ) -Followed up three times with BMO Alto via email and received no responses -Called BMO Alto on XX/XX/XXXX, they stated my account was closed and that XXXX needed to file a claim for me to get my money back -Called XXXX on XX/XX/XXXX to file a claim, they filed a dispute with ticket number XXXX. Received an email on XX/XX/XXXX from XXXX that i needed to provide a trace number to BMO Alto, XXXX -Called BMO Alto on XX/XX/XXXX, they would not accept a trace number from XXXX due to account being closed for fraud / high risk activity -Received email from BMO Alto on XX/XX/XXXX that my account was updated to Delete Account Freeze. Received another email on XX/XX/XXXX from BMO Alto that the account was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I want these items immediately re-investigated and for a good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX COXXXX XXXX XX/XX/XXXX I am officially disputing the fraudulent information and requested an immediate investigation.
Product: Credit card or prepaid card

I XXXX, XXXXagent requested a bill statement monthly payoff for the account on XX/XX/XXXX and the statement was posted to the online account on XXXX. The bill statement is due by the XXXX of XXXX. 
On XX/XX/XXXX the first letter of instructions ( claim of credit ), POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff endorsed was sent to the CFO ( XXXX XXXX XXXX ) over night and was received on XXXX the XXXX at XXXX XXXX ( letter of instructions states 5 business days will be given to receive a response. A copy of the endorsed negotiable instrument of the bill statement monthly payoff was sent to the billing center requested in the letter that was sent to XXXX XXXXPrincipal. No correspondence from the CFO was ever received of completed instructions. The second set of instructions that was sent to the CFO ( opportunity to cure ) along with POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff on XX/XX/XXXX and received on XX/XX/XXXX at XXXX XXXX giving 5 business days to respond. No correspondence has been received at this time from the CFO. The third set of instructions will be sent on XX/XX/XXXX ( default of notice ) along with POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff. Again, given 5 business days to respond accordingly. All instructions were sent overnight using USPS with tracking. Also, all items sent had to receive a signature upon delivery. A copy of this file complaint and all evidence has been sent to the CFO as well. As of XX/XX/XXXX the instructions have not been completed by the CFO at this time. As of now the CFO of Discover Financial Services is in violation and breach of contract of the following laws/acts : 15 USC 1611 , 3-602, 3-603, 3-604, 3-611, 3-408, 3-409, federal reserve act section 16, and federal reserve act 29. Due to the nature of the violation, I am seeking remedy of the bill statement monthly payoff to be paid out for the account with Discover Financial Services and 1 percent of the total assets of Discover Financial Services member bank.
Product: Checking or savings account

Yes I filed a report her with the cfb again wells Fargo refuses to do a correct investigation .I was called when they received the report from here by the agent he didn't seem very interested on what I had to say didn't care to investigate the issue I had to ask him were you going to look into it he said yes and was ready to hang the phone up I stopped and said are you going to get. My details he said I am looking at the notes on the account. I stated you still need my version he I will call you if I need to I then asked about another dispute I had on my account he said you have to go back and make another complaint I only investigated what is on the report