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

I want to file a complaint against Square. I have a small travel company located in the XXXX XXXX. We have been using Square for over 6 years. When the pandemic hit, we had lots of consumer refund requests and we didn't have enough staff to process everything on time. There were some clients decided to file a credit card disputes with their credit card company. I totally understand their decisions. Because of the disputes went to Square. Square decided to put a reserve on our account, which 40 % of all sales volume. I actually understood their decision as well because of the credit card disputes we had. 
However, as of XXXX this year, we issued more than XXXX XXXX to refunds to clients and the credit card disputes have almost disappeared. We hired new staff and tried to take care of every refund requests. But Square still keep the reserve on our account. This is becoming more and more concerning to us. 
For example, we only receive 60 % of the clients ' payment when they make a booking with us, and when they come back in 4 month and decide to cancel the trip, we are supposed to refund 100 % of the payment minus a little cancellation fee, but Square haven't even transferred us their payment. We still only have 60 % of the total payment but now we need to refund almost 100 % of what they paid! These similar transactions are draining our bank account!

As of today, Square still keeps 40 % of our sales revenue, and the amount they are holding now is {$120000.00}.

I believe our business is just one of hundreds of thousands facing the same problem, I demand Square to take the correct action and refund our reserve right now. I will share my experience with all regulatory bodies until they do. If anyone have a similar experience, please feel free to contact me, and we can together form a stronger force against this unfair treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

I RECEIVED OVER {$300.00} IN FRAUDULANT CHARGES ON MY CITICARD MASTERCARD CREDIT CARD ON XXXX XXXX FOR PURCHASES MADE FROM XXXX XXXX. I DID NOT MAKE THESE PURCHASES AND I HAVE PROVIDED CITICARD WITH PROOF THAT I FILED MY TAXES WITH XXXX XXXX XXXX  12 DAYS PRIOR TO THE DATE OF THE FRAUDULANT XXXX PURCHASES WITHOUT THE USE OF ANY TAX PREPARATION SOFTWARE. AS OF THIS DATE CITICARD INDICATES MY DISPUTES ARE STILL UNDER INVESTIGATION EVEN THOUGH I HAVE PROVIDED THEM A COPY OF MY SIGNED FEDERAL TAX RETURN AS PROOF THAT I HAVE FILED MY INCOME TAXES 12 DAYS PRIOR TO THE PURCHASES APPEARING ON MY CREDIT CARD. EVERYTIME I CALL THEM ABOUT THIS MATTER THEY TELL ME THAT THE DISPUTED CHARGES ARE UNDER INVESTIGATION EVEN THOUGH I HAVE PROVIDED THEM PROOF THAT I FILED MY TAXES 12 DAYS PRIOR TO THE FRAUDULANT PURCHASES. ALSO WHY WOULD ANYONE MAKE MULTIPLE PURCHASES OF THE SAME PRODUCT? COMMON SENSE SHOULD TELL THEM THAT THESE PURCHASES ARE FRAUDULANT.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is pretty much impossible to dispute a wrong information in Experian credit file. My date of birth is incorrect in my experian credit report. I submitted the dispute and reported the problem and today the result of the dispute did nothing. 

I would love to know what is the point of having the ability to dispute something if there no resolution to the issue. Extremely frustrated. According to investigation Experian went through, I was born in a different year lol. Such a incompetent company. 

As simple as verify my information in one of the other 2 bureaus and they could quickly realize of the mistake, but instead they decided to do nothing about it. 

The best thing, good luck if you try to talk to a representative over the phone, literally impossible since their customer service number ( at least the one published ) will only let you talk to a robot with no possible way to have access to a human representative. 

My question is, how do we get this fixed Experian? Should I give up and leave the wrong year of birth on my credit report? 

Please do your job and get my year of birth fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account, XX/XX/22 XXXX XXXX XXXX in the amount of {$1600.00} and XXXX XXXX XXXX ON XX/XX/22 in the amount of {$360.00} 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 an account without my written instructions.
Product: Credit card or prepaid card

XX/XX/21 Fraud use my BOA credit card XXXX charged {$220.00} to buy product of XXXX XXXX internet ca. 

XX/XX/21 I reported to my BOA fraud dept about this fraud charge and change a new card number. Boa open claim I'd XXXX for me. 

XXXX XXXX email refund {$220.00} to back my credit card account payment profile I'd XXXX. 

XX/XX/21 BoA denied my case, XXXX refund money to somewhere out. I call report to both about the {$220.00} charge without my authority and BOA reopen claim XXXX for investigation. XXXX also open a new claim ID for investigation. 

I also report to XXXX, FTC gov
Product: Mortgage

I currently have my mortgage with GMFS, serviced by XXXX XXXX XXXX XXXX. I have had continuous problems over the past several months. On XX/XX/2020 I inquired through their web portal about any assistance being offered during the COVID-19 pandemic. I received a response back on XX/XX/2020 advising me of the terms and conditions of a forbearance program and that my account may be eligible. After reviewing the terms and conditions I responded back via the web portal on XX/XX/2020 advising I would not be interested in taking advantage of the forbearance. On XX/XX/2020 I received a response from XXXX XXXX XXXX advising a request had been put in to stop the forbearance. 
I made my payment as scheduled for XXXX ; however, I received a robocall within a couple of days advising my forbearance had been approved. I signed on and noticed the payment I made did not apply towards my monthly payments ; however, to unidentified funds. I sent yet another response on XX/XX/2020 advising them I declined the forbearance and I would like my payment corrected. On XX/XX/XXXX I received a response back stating the cancellation was put in on XX/XX/XXXX for forbearance and that my payment would be applied correctly. Keep in mind, I never authorized this forbearance. At this point I assumed all would be well. The exact same thing happened for XXXX and XXXX. After speaking with a supervisor ( I do not remember the date ) I was advised my account did go through the full three months of forbearance ; however, all payments were posted accordingly. I did have to write in and/or call every month to have my payments corrected. It got so bad that I had one associate tell me over the phone that I had only made a partial payment. All of this was eventually straightened out. After all this is said and done, I now have a forbearance on my record with this company and that is not fair. I specifically said I do not want it. Also, I have tried to set up ACH for the past two months. To this day, I keep getting denial letters for ACH because my account is in " Forbearance ''. Once again, this is unfair, as I now don't have something available to me that other customers have available to them, especially when the account should have never been in forbearance. I have spoken with two associates regarding this and they could not give me a reason as to why the ACH is getting kicked back for forbearance. The management team does not make themselves readily available for escalated situations rather you have to wait on them to call you whenever they have free time. 
I feel as though I am stuck. I can not easily go out and refinance my house as that usually cost a nice chunk of money out of pocket ; therefore, I have to be subjected to the poor service and having things on my record I didn't ask for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening. 

So, in 2017 I submitted an investigation with your agency the CFPB with regards to the only inaccurate account on my XXXX, XXXX and XXXX, an inaccurate collection account reported by a XXXX XXXX. 

Within days of my investigation request, XXXX XXXX replied to us acknowledging error and deleted the inaccuracy ... 

Today, I discovered XXXX XXXX has now again, started to report the exact same inaccurate account that you helped me previously resolve ; I believe this is a clear violation of the FDCPA Act and this false credit tradeline obviously needs to again, be removed immediately- Very unfortunate collection outfits like this can so easily report this information and I thank you again for your assistance. 

XXXX XXXX
Product: Mortgage

RE : Case number : XXXX NOTE : See attached hazard insurance payments ( 2 ) from XXXX. 
The attached PDF file with the cancelled checks from the hazard insurance company shows that there were two payments to XXXX XXXX XXXX to completely pay the insurance in full. The annual premium was {$1900.00}. XXXX XXXX received the first payment on XXXX/XXXX/XXXX in the amount of {$1300.00}, and the second payment received on XXXX/XXXX/XXXX in the amount of {$550.00} totaling {$1900.00}. The mortgage was sold from XXXX XXXX to Loan Care on XXXX XXXX, XXXX several months after the Hazard insurance was paid in full and all monthly statements and final escrow statements from XXXX for the XXXX transition was paid in full and in good standing. 

Loan Care 's response to case number XXXX dated XXXX XXXX XXXX obviously did not review their own documents they attached to the response of the original complaint. The transition documents from the seller ( XXXX XXXX ) and the Buyer ( Loan Care ) shows there was no escrow shortage in the account and all escrow was paid and up to date. THERE WAS NO ADDITIONAL OR DUPLICATE PAYMENTS IN EXCESS OF THE PREMIUM AMOUNT AS THEY ARE STATING IN THEIR XXXX/XXXX/XXXX CFPB RESPONSE ( Case number : XXXX ). 

Within the last couple months, I unfortunately paid what was suppose to be the shortage with Loan Care on XXXX/XXXX/XXXX in the amount of {$460.00} that I want refunded to me as soon as possible.
Product: Debt collection

I was told by multicare they had sent my debt to collections where I was contacted by XXXX XXXX XXXX to set up payments of XXXX until debt was paid I have paid that off and when I recently checked my credit report I saw a collection for another amount to a different company that I was n't aware of. Multi care sent my debt to XXXX different collection agencies instead of sending the full balance to the same place which resulted in me having multiple collection debts instead of XXXX and that I could of had the debt paid if it had been sent to XXXX place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : -Close the unauthorized account -Removeany charges on the unauthorized account, and -Takesteps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX Enclosures : XX/XX/2023 Close the unauthorized account Removeany charges on the unauthorized account, and Takesteps to remove information about this account from my credit files. 

-FTCIdentity Theft Report -Proof of identity -Notice to Furnishersof Information
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiry from unknown company.
Product: Mortgage

I recieved a statement from My Mortgage Company Roundpoint mortgage that shows my monthly payment was increased from {$1100.00} to {$1600.00}. I called them to explain why my mortgage is increased, and they said was added extra Insurance in my account as an escrow. I have already PMI and homeowners insurance and I refused to add extra Insurance. I called them more than one time to remove it from my account because Im NOT agree and I dont want it, I didnt give them a permission to add an extra Insurance in my account and Im unable to pay more than my original mortgage, but stil they didnt remove it, so I took out the autopay to clarify this situation because Im not supposed to pay an extra insurance if Im not agreed.
Product: Debt collection

In XX/XX/XXXX, I was notified by XXXX that my insurance was going to be canceled on XX/XX/XXXX. As a result, I replaced my XXXX policy with a new policy from XXXX, and I sent proof of my new insurance policy to XXXX requesting that they cancel my policy. However, on XX/XX/XXXX, XXXX sent me a bill stating that my insurance had lapsed and that I owed them a balance of {$810.00} because, according to NC law, XXXX can charge me for every day I do not have insurance. 

On XX/XX/XXXX, a XXXX representative sent me an email, confirming that she received my new insurance information and that my past-due balance had been removed. 

However, on XX/XX/XXXX, I received a letter from a collection agency XXXX Credit Collection Services ) stating that XXXX had sent my past-due balance to collections. When I reached out to XXXX, the representative told me that she could not help me and that I needed to pay the past-due balance.
Product: Credit card or prepaid card

I purchased a dining room table from XXXX XXXX and returned it without even having it delivered. The item was around {$1000.00} but only refunded me {$800.00} and now my account is past due even when I already closed XXXX XXXXPottery Barn Credit Card XXXX Capital One said since I already closed my account, they cant dispute it and I will need to reach out to XXXX.
Product: Debt collection

Initially, my insurance covered an XXXX and I was given a copay of {$17.00}. This changed after the insurance reversed coverage without a clear explanation. We had just XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and did not receive our mail for a while ( XXXX was still locked down and it took a long time to get everything set up ). When we did see the letter, it took a lot of back and forth to get anything resolved. With time zones and international calling involved, it made everything more complicated and confusing. 

We finally learned that an administrative issue was to blame. Our doctor corrected the issue, resubmitted the request, and the coverage was reinstated. Again, we were back to only owing {$17.00} which we paid directly through our medical imaging provider 's payment portal. 

Advantage Financial Services continues to impact my credit report with a balance of {$60.00} for interest accrued based on the incorrect amount owing. I understand they have a job to do, but this issue was caused by an administrative issue, not my financial failings. It feels frustrating that I need to pay interest that is higher than the actual amount owing on my account. Please advise.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX reported to all major credit bureaus that my loan # XXXX was a CHARGE OFF. XX/XX/year> my account was payed in full i contacted XXXX once i came aware of this issue when i lost my home XX/XX/year> because of this reporting it's been impossible for me to find stability for my son 's and XXXX XXXXXXXX XXXX XXXX XXXX sent me a letter stating they acknowledge that they are reporting the account information and status to my credit report incorrectly.Loan # XXXX was paid in full XXXXXXXX XXXX  This is affecting my livelihood as far as obtaining credit or applying for apartments or home mortgage. When XXXX recieved an ACH payment of {$22000.00} from Texas Department XXXX XXXX and XXXX XXXX my loan balance was XXXX only {$18000.00} was applied to my loan and my Escrow acct balance : {$900.00} XXXX failed to submit payment to insurance and taxes when verbally confronted via phone the expressed they had decided to no longer pay for my insurance, the insurance company also told me not once but twice reached out to XXXX regrading payment and nothing was received so as a result when our XXXX XXXX accured i had no knowledge until i called the insurance to report the XXXX and that is when they told me my Home Insurance was cancelled due to non payment. The loan is still being reported as charge-off. I've submitted several documents they have requested and they have not corrected how the account reflects on my credit report.
Product: Credit reporting or other personal consumer reports

This is the refilling of my complaint to XXXX XXXX XXXX. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number XXXX
Product: Credit card

I charged ~ {$660.00} on XX/XX/XXXX using my XXXX  XXXX - XXXX credit card to a XXXX XXXX ( XXXX XXXX ) and had a BankAmerideals cashback offer for 10 % up to maximum of {$65.00}. I have multiple credit cards with Bank of America and chose the XXXX XXXXXXXX card because it was best option for my purchase at the time and I believed it to be covered by the cashback offer. On XX/XX/XXXX - after not seeing the cashback I called Bank of America to ask about the cashback. I was told by the customer service rep my problem and he researched and came back to tell me I was not eligible because the card I had chosen was not eligible due to be being a small business card. I told him this was surprising and that I had carefully read the fine print on the offer and the website where the BankAmerideals are marketed and there was no exclusion of the small business cards. Additionally the portal where the cards are shown does not make any distinction between cards. He told me according to the terms of the cardmember agreement BankAmerideals did not apply to small business cards. I asked him to show me the part of the agreement where BankAmerideals and he said he would look for it and put me on an extended hold- when he came back he said he could not find the provision nor could he tell me where to find the card member agreement. My complaint is that there was apparently nothing in the materials for the BankAmerideals portal or fine print that indicated exclusions of cards and that should be where this kind of information is disclosed - otherwise this is deceptive. Additionally in my case I could have easily chosen a different card if I had known the exclusion. I said to the rep this is deceptive and unfair and I would complain to CFPB. Additionally upon further research I found that when I navigate from the XXXX XXXX to show cashback deals from the XXXX  XXXX page the XXXX offer was available ( now expired ). Further more the FAQs show that business cards are part of the redemption options.
Product: Credit card

I am disputing the collection account with XXXX XXXX XXXX account number XXXX dated XX/XX/year>, with a balance of {$0.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

The details of the fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done several complaints regarding a debt thru  XXXX   XXXX   XXXX  and theservicer of the account Resurgent Capital Services. They have the opened date as  XXXX   XXXX  but that is the date they bought the debt. My original creditor  XXXX  charged it off  on XXXX    XXXX   XXXX  and my last payment on this account  XXXX   XXXX ,  XXXX  as they have clearly stated in the letter I have attached but they will not change the date in   XXXX   an d two years makes a difference. I thought the date on the credit report was the last date of payment not when the debt collector purchased the debt almost 2 years later. The date needs to be corrected