23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was online looking to book a hotel. The cost was to high so I closed out the site. I then received a charge on my acct. I called synchrony bank on XX/XX/24 to dispute to charge and they wont refund me. Ive called multiple time over the last 3 months Ive been hung up on etc. I dont know what to do. 

The amount is XXXX.
Product: Credit reporting or other personal consumer reports

Hello I noticed unauthorized and unrecognized inquiries on my credit report that I would like removed. I contacted each of these companies and I dont have an open account with them. 


These companies ran my credit unauthorized and I need them removed Please. 


JPMCB AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I never received formal documentation that Navient obtained my Stafford Loans and I never got to choose a repayment plan and never was notified that my loan repayment had begun. As a result, I am MANY months late and faced a huge credit score hit ( Down 150 points ) recently. If I had known about Navient collecting my loan i would have had no problem paying it off but now I'm way behind and my credit score is way worse.When I told Navient to send me any documentation of me agreeing to the term of the loans or my repayment options they told me I to go to StudentLoans.gov and look those up for myself which doesn't seem right. 

The total of the loans is {$22000.00} and the repayment began in XX/XX/2018  but I first learned of this only a couple of weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX data breach of XXXX and the XXXX XXXX XXXX XXXX data breach COMENITYCAPITAL/ULTA Acct # XXXX is not my account
Product: Credit card or prepaid card

I have not received the card I applied for and I only applied for the card for a emergency situation and now their telling me theyre having problems issuing cards which I should have been made aware of before applying
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some items on my credit report that arent correct, and I would like them removed or deleted asap. XXXX, XXXX, and Transunion are reporting 2 accounts on my file that I dont know about. They arent mine, and are most likely fraudulent accounts. They are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like a proper investigation done asap on these accounts, and I would like them deleted asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX this account was established XX/XX/XXXX without my knowledge I have tried to reach out to you guys to this account was a fraudulen The Opened, the account ending in Account ending in XXXX first of all it doesnt even have my correct name. Im not a SR The solution that Im looking for is remove this from my credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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. 

In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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. 


In accordance with the fair credit reporting act XXXX XXXX account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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. 

In accordance with the fair credit reporting act XXXXXXXX XXXX account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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 In accordance with the fair credit reporting act XXXX XXXX  account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 


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

This account was paid off on XX/XX/XXXX. West lake financial is reporting late payments XX/XX/XXXX and also XXXX and XX/XX/XXXX. Thats incorrect information being reported it was paid off on XX/XX/XXXX. Account # XXXX
Product: Credit reporting

I have contacted XXXX and XXXX and experian to correct some errors with my reports. XXXX and XXXX corrected the errors and my score has increased due to the help. Experian did not correct the incorrect information and I disputed the inaccuracies 3 times. At this point the my score with XXXX and XXXX is between XXXX and XXXX. My score with Experian is still around XXXX and has not increased. I have been refused financing options from companies that are using Experian and this difference and refusal to help is unacceptable. Please help me.
Product: Debt collection

I have repeated requested XXXX not to call my work number or home number I would only communicate with her through mail. Requested proof of debt which I have never received., she ( XXXX XXXX XXXX? continues to call my work number and my home number. The calls look like they started around XXXX XXXX ; she XXXX, XXXX/XXXX/XXXX, XXXX ( XXXX times XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX these calls were made to my home number. 

She has called my work number : XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXXXXXXXXXX ; XXXX/XXXX/XXXX @ XXXX ; these called appeared on my caller ID at work and missed calls. Unfortunately, I can not find the early call where I requested her not to call, but XXXX has now switched over to using unknown number and I spoke with her today XXXX/XXXX/XXXX @ XXXX for XXXX seconds restating the fact I would not speak with over the phone to send everything in writing and not to call my work number. I also have an unknown number on XXXX/XXXX/XXXX @ XXXX that last :58 seconds that I am assume was hers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus on several occasions asking them to delete inquiries that where not authorized by me and they have failed at investigating this issue properly. Over the last nine months I have been writing XXXX  and Transunion credit bureaus about inquiries on my reports that was not authorized by me and all they send back is a letter saying the inquiries are factual records that I made,
Product: Mortgage

I am requesting a short sale on my property ( XXXX XXXX XXXX XXXX XXXX MD XXXX ) and it has been under contract since XX/XX/XXXX. Mid America Mortgage/XXXX XXXX reviewed the file including the current offer on XX/XX/XXXX and marked the file as complete yet they have not made a decision as of XX/XX/XXXX. We have followed up with them daily to request them to expedite their review but to no avail. The buyers are getting weary of their lengthy process and is threatening already to terminate. Can you please assist in making XXXX XXXX escalate this file so we can have a speedy resolution?
Product: Credit card or prepaid card

Capital One refuses to close out my account even though I been contacted two times by a collection agency. This has been an on going issue since XXXX/2017, they are always claiming the account will be closed out however I receive a bill for the month.
Product: Bank account or service

I recently saw an article on CFPB took action against Navy Federal Credit Union, you article states occurred XXXX to XXXX, I have been banking with NFCU since XXXX, until XXXX when they froze my primary account, when I went to NFCU to inquire, they told me there was a collection agency my spouse was delinquent with ( my Spouse was not on my NFCU account ) the collection agency was collecting on a ( XXXX XXXX XXXX that had been paid off ) I was told by NFCU that they could not unfreeze my account unless ordered by a judge, I hired a Litigation Lawyer and went to court, was awarded a favorable decision and the judge told them to release my funds, my Military Pay was electronic transferred to this account, I had to find another bank and change my direct deposit, I maintained an account with them {$30.00} since then, whenever I tried to bank with NFCU to include 3 months ago, I am told since XXXX that I can make deposit only, no other transaction. I want to continue banking with NFCU, if this is resolved. I can not make deposit to accounts I can not use. XXXX XXXX thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Product: Debt collection

Original account was with XXXX XXXX, it was bought by National credit adjusters in XXXX. In XX/XX/XXXX, I disputed it and it was removed. In XX/XX/XXXX it was placed back on my credit report. This is illegal and I want it removed for good.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Someone hacked a friend 's XXXX and asked me to send some money, I sent XXXX on XX/XX/2022 As soon as I realized it was a scam, I call my debit card company, they told me to call Zelle because that was the way the money was sent but they said there was nothing they could do, even though I told them the scamers were still in touch eaking for another transaction
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 opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXXXXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$550.00} WXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Bank account or service

I opened a checking account with various requirements to receive a {$200.00} cash back promotion. I satisfied the requirements and after XXXX phone calls and XXXX visits to the branch over the course of more than a month the reward has not been deposited into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES WAS NOT AUTHORIZED BY ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received an email for my BBVA Compass XXXX XXXX/XXXX/XXXX stating " Spend {$500.00} or {$1000.00} in qualifying online purchases and make XXXX Real-time Rewards Redemption through BBVA Wallet and receive XXXX or XXXX bonus points ( enough for {$25.00} or {$50.00} account credit ). This offer is only valid for online purchases with XXXX BBVA Wallet Real-time Rewards Redemption between XXXX XXXX and XXXX XXXX, XXXX. '' I made {$1000.00} of purchases during this time and never got the reward. In XXXX XXXX, I started getting in contact with customer service. After being bounced around several times, being told that I would get a call back and never would, and having to re-explain the issue to multiple reps, I finally got an answer. Unfortunately, I was told that I would not be receiving the bonus because I purchased " gift cards ''. Besides the fact that I did not purchase gift cards, nowhere in the email does the word " gift '' even appear, meaning that this kind of purchase was not excluded. As a result of this decision, I have lost XXXX rewards points which are worth {$50.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX addressed to the Credit Reporting Agencies requesting to remove the Accounts and information that are UNKNOWN to me. I came across this law and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Under the FCRA section 605b, I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} 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  I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act requires the Credit Bureaus to conduct a reasonable investigation into any disputes, and I am confident that the Credit Bureaus will find that these accounts are fraudulent and should not be listed on my credit report.
Product: Checking or savings account

My name is XXXX XXXX I am a Square User with email address XXXX This company is holding my funds since XX/XX/XXXX and is claiming that they are using section 12 of Square payment Terms to hold my money and in this letter I will explain to you why this section doesn't come in as to my case. 

Going through section 12 of Square Payment Terms, it reads the following " You may not have access to your funds if your Square Account is being investigated, youre involved in a dispute, or for legal reasons ''. 

This section mentions about 3 things here which are : 1. Accounts XXXX investigated for high risk transactions 2. Disputes 3. Legals Reasons Explanation Why I haven't breached Square section 12 Payment Terms are ; 1. The first Square payment terms in section 12 talks about investigation for high risk transactions. In my own case, my account is deactivated and a period of 90 days hold policy to cover chargebacks in case of any was placed on my account. Since then there is no transactions coming in to be seen as high risk. 
My account has also been on hold with Square for over 12 months and all my funds are intact, then it means there is no risk to be investigated. 

2. In terms of Disputes, I want to draw Square attention that all the disputes in my account were finalized and closed many months ago and as such, Square doesn't supposed to hold my funds in pretext of saying they want to cover chargebacks. 
3. There is no legal case in regards to my Square account. 

Square also mentioned that card payment agreement doesn't allow them to release my money to me in case f disputes I want Square to know that Fair Credit Billing Act of XXXX The Act states that creditors are to give consumers 60 days to challenge certain disputed charges. 

In regards to my case, it's over 9 months Square has held my funds and all disputes on my accounts were finalised and closed months ago, and there are no further chargebacks XXXX on my account. 

Hence I do not see reasons Square should hold my funds till this time. 

In section XXXX of Square payment terms, it says Square has the right to terminate and close account and section XXXX of Square payment terms explains what Square would do when accounts are closed. I will quote the section XXXX Section XXXX of Square payment terms says : " XXXX of your Square Account will cancel any pending transactions. Any funds that we are holding in custody for you at the time of closure, less any applicable Fees, will be paid out according to your payout schedule, subject to the other conditions in these Payment Terms ''. 

It says any funds that SquarXXXX are holding would be paid to account owner after investigation. And Square has stated that the investigation means chargebacks and other disputes. 

In my case, there is no current active disputes or chargebacks and I deserve to have access to my money held by Square. 

I want Square to release my money immediately and tender an apology for holding my money for over 12 months
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file-Cap One NA, DATE OF INQUIRY XX/XX/2021, I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
Product: Debt collection

This is an old debt that was previously removed from my credit and has been placed back on damaging my credit score and has been written as a new debt. Please removed this debt as original creditor is also closed and the debt is passed the statue of limitation of 4 years in GA.
Product: Debt collection

Currently, I have a collection request from Enhanced Recovery Collections, for {$100.00} for XXXX XXXX, opened on XX/XX/XXXX. I am currently still a customer with XXXX XXXX. About XXXX years ago I moved addresses, during this transition I created a new XXXX account to service the new address. I was unaware that I owed any outstanding money to XXXX and even checked my old account, which still shows no amount is due on either accounts, and was never contacted by them about the {$100.00} owed. XXXX had my phone, email, current credit information and current address on file and was still providing me service, but neglected to inform me or charge me of the amount they claim I owed at my previous address. The Enhanced Recovery Collections attempted to contact me, and I truthfully thought they were a fraudulent attempt to acquire my credit information, as why would a collection agency be contacting me for my current service provider that never contacted me requesting payment and did not have any record of me owing it on my accounts along with still providing service while having my credit information on file to charge me at any time? I now understand, as of XX/XX/XXXX, that this collection company is legitimate, after speaking with them their company policy is to not accept any pay in full for deletion letters, despite the lack there of in communication from XXXX leaving me not at fault for this collection request origination. After speaking with XXXX management, the same scenario, a company policy prevents them from contacting the collection agency, leaving no possible way to work out a pay in full for deletion letter.
Product: Debt collection

THIS COMPANY IS NOT LICENSED OR BONDED TO COLLECT IN MY STATE AND IS REQUESTING MONEY FROM ME.