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

This is to express my deep dissatisfaction and concern regarding the holding of the funds in my Square account. As of XX/XX/2022 i got a mail from square that my account has been deactivated and my balance totaling {$120000.00} will be withhold for a period of 90 days, right now its been 19 months and my funds is still yet to be released which has impact my ability to conduct business and meet financial obligations. 

Despite my persistent efforts to resolve this issue through your customer support channels, I have encountered nothing but delays and unhelpful responses. The lack of transparency regarding the reasons for withholding my funds only adds to my frustration. 

I urgently request the immediate release of my funds. The detrimental effects of this hold on my business operations can not be overstated. It is imperative that this matter is addressed with the utmost urgency and efficiency. Failure to resolve this issue promptly will leave me with no choice but to pursue further action to safeguard my interests. 

I trust that you will prioritize this complaint and take swift action to rectify the situation. I eagerly await your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

I am sending in response to the recent reinvestigation that remains unresolved. This is my follow-up, and I do not concur with your findings, as I am requesting complete accuracy. I am dissatisfied with the effort made to contact the creditor reporting this information on my report. Therefore, I am asking for additional information regarding these specific accounts in question : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5000.00} ; XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX Balance Owed : {$32000.00}.
Product: Debt collection

So I got a call from portfolio saying that I have an outstanding debt of XXXX and something dollars. I stopped him and I said before we go any further, I would like to request an itemized bill statement and a document stating that I owe them that I signed they failed to send me anything. Ive requested this several times and have not received not one letter or an agreement that I signed for their company
Product: Credit card or prepaid card

I reported fraudalent charges for my Business credit AMERICAN EXPRESS card back in XXXX there was charges for XXXX posted on XXXX 4 times total of {$4100.00} XXXX XXXX fees 4 times as well total {$150.00} plus interest fee and late fee. I have call 10 times from XXXX and NO ONE can help me. Everytime I call they stated I am sorry but the case was not file but i will file this claim for you I apologize and ON AND ON. My account now is past due and collections from XXXX XXXX is requesting me the payments. I called customer services again and now i am asking for names and ID employee numbers, there is no resolution. I called I spoke with XXXX  Employee id XXXX and give me a case # XXXX Again I am sorry for this problem. No one even have this charges on dispute, I called again back in XXXX and I spoke with XXXX and she promise me she spoke with the fraud team and they will give me all the credits in XXXX hrs. Guess what NOTHING I received a phone call from collections again. This is terrible, I DONT KNOW what to do anymore. I asked customer services why the charges are not even in dispute? how this is going to be reported on my credit bureau? NO one knows. This is not a joke that is what they told me. Plus when I open this credit card back in XXXX it was a promotion for 18 months no interest. Guess what they charge me interest fee back in XXXX And XXXX I called and they told me they will take care this. WELL NOTHING. I need help please I am only asking remove the fraudalent charges and updated my balance so i can pay my balance.
Product: Debt collection

I Stanley-Howard : XXXX /agent XXXX the principal did not authorize anyone from XXXX to collect on any debt pertaining to my principal in accordance with 15 usc 1681 b they will not stop trying to collect on said debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove any and All fraud alerts on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing with the credit bureaus as of  XXXX     2017. Since then, I have received notification from the creditors but I never received documents from any of the credit bureaus, Equifax,   XXXX  and  XXXX  . They have never provided me an update regarding me report thus making it difficult for me to review the activity on my account. I have done research and am aware I should be receiving correspondences between 35 - 45 days which has not happen . In all of my dispute letters, I have always included my address so I am not sure why they are not replying me. I am also well aware that this is against the FCRA which is why I felt it necessary to express my concern.
Product: Credit card or prepaid card

On XX/XX/XXXX a charge was put on my Bank of America AAA Visa credit card in the amount of {$7000.00}. as a cash transfer to a bank, XXXX XXXX. I reported it immediately when i saw this transaction and they issued me a new credit card. It was posted on my card on the same day I made a purchase thru XXXX using the same card. On XX/XX/XXXX, I received a letter from Bank of America saying my claim # XXXX was denied as it was a balance transfer that went directly into an account in my name and that charge of {$7000.00}. was put back now on my new card. I looked XXXX XXXX  up on the internet and called them to see if I could find out whose account this transfer went into. They said they could only help Bank of America so I filed another fraud complaint with BOA on XX/XX/2022. When on the line with XXXX XXXX  they verified that I have never had an account with that Bank. I need help with getting this charge off my credit card as it was not made by me and so far no help getting this resolved from Bank of America. This put me way over my credit limit and they have shut down my ability to use this credit card which I use for my daily living expenses. I am an XXXX yr old XXXX  and need help asap.
Product: Debt collection

This company purchased this debt from another collection agency and has repeatedly changed the amount on my credit report. Every single month the update the account as if the debt is new or as if there was communication. This debt is XXXX yrs old.
Product: Credit card

I have been disputing a transaction since XX/XX/year>. At one point during this time, a manager in the dispute department told me they could credit my account {$250.00}. I did not take the credit because the dispute was still open, and I had been told multiple times that there was a possibility that I would receive the full amount of {$1000.00} back to my account. I have been working with the executive office, and the latest representative told me she would do her best to give me the credit of {$250.00}. I received the resolution of only {$100.00}, which was added to my rewards account. The company should honor the {$250.00} that I was told I could get from a multi-billion-dollar corporation, and they can't afford to part with {$250.00} for a long-time customer who has never paid their bill late and spends a ton of money on their account. It is so completely frustrating to go through this process with a company that does not keep its word.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX XXXX against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
these are the accounts that I marked inaccurate - XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

SIMM Associates called the phone number of a relative, who has nothing to do with any of my debts owed and can not help them. They kept trying to get information about me but would not state who precisely they were other than company name, nor what they wanted. The family member refused to give them information and notified me right away. They are not to contact any individuals other than myself regarding this supposed debt ( which, since they would not state what it was, we have no idea if I even owe ) and going forward, they are not to contact me again other than in writing nor are they to contact any other family members of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed my debt with debt management company for a Citibank debt, and they are still reporting that I owe them. However, refuse to provide debt validation report on all the payments made to the account. I spoke with agent # XXXX to resolve this issue, but she refuse to assist me. I ask to speak with a supervisor and refused helped or a connection to speak with a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been taken advantage of there has been malpractice serval FCRA laws have been broken by your company. This is and has caused financial injury and hurts my character when applying for jobs. I can not obtain a credit, proper living arrangement for my family. I can not better myself by getting a student loan to finish college because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Credit reporting agency, Equifax has recently removed a collection account named ; XXXX XXXX XXXX XXXX, but has not updated the credit score to reflect the correct credit score. I ask the updated credit score reflects the consumer report pursuant to the removal of the collection Account, XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I have been fighting with Fortiva credit card company. I lost my job when covid hit back almost XXXX years ago. The fees and interest that they continued to charge when I reported our financial hardship to them. The card balance is double of what it was when I lost my income. We went from XXXX incomes to XXXX when the covid pandemic started. 
I refuse to pay all their late fees, interest and other fees. They can take the balance back to where it was when the last purchase was. 
They refuse.
Product: Mortgage

I started the application for a mortgage with Bank of America since XXXX XXXX of this year. I was promised a closing date of XXXX/XXXX/16. The date got delayed to XXXX then now XXXX. They have tactically requested repeated financial information from me to justify the delay and as of this morning ( 2 days before the third closing date ), they want me to call a third party agency to do a credit supplement check on credit cards that I have already supplied statements and written letters for. If the loan does not come through, I loose my earnest money and other costs associated with buying this house. I have filed several complaints with the bank but was ignored. My loan officer said he is sick and never called back. I can not get anyone to respond. This is just a night mare and no one should have this experience. I have all of the email history to prove their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018, XXXX ALLOWED THEM TO PLACE DUPLICATED COOLECTION ACCOUNTS ON MY XXXX CREDIT REPORTS. THE LISTING WAS IN THE NAME OF RENT RECOVER, WHEN IN FACT WAS XXXX XXXX. SEE ATTACHED. ALL PARTIES VIOLATORS OF THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. FOR ILLICIT COLLECTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute via XXXX to Transunion about inaccurate information being reported on my credit by a collections agency. The investigation was supposed to be completed by XX/XX/XXXX. As of XX/XX/XXXX it still reflects as in review and incomplete - hence this account should be removed from my report. 

I called Transunion on XX/XX/XXXX and I had to speak to 2 supervisors and 3 staff members in order for them to delete a new dispute that they submitted instead of handling the old dispute as I requested. According to their staff, they were not able to send me a report of the investigation as it is supposedly not in their system for them to mail or email me. The last person I spoke to after 45 minutes informed me that he deleted the new dispute submitted by his coworker, and closed the initial XXXX XXXX dispute as it's been more than 30 days ; he agreed to mail me a copy of my updated credit report reflecting the closed collections account, and the collections agency should be deleted from my report after 30 days. If this does not happen, I will be calling again in XXXX to speak to another supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information/ account was discharged in Bankruptcy in XX/XX/XXXX. A lender/debt collector Selene Finance LP posted a foreclosure on my credit report XX/XX/XXXX. 
I called Selene and they agreed that the information reported is incorrect. I started a second dispute with XXXX. 
Experian dispute results says they verified the information is accurate and will remain on my report. How did they verify the information. 
I have called Selene Finance and they have no information they can give me now and can not pull up any account information. 
My wife and i are trying to buy a house and this is causing issues to say the least.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Ccredit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lad posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting bureaus, XXXX, XXXX, and Experian, list several incorrect variants on my name in my credit reports. In some cases, these variants conflate my name with my husband 's first name ; in others, letters are missing and spaces are inserted ; and in others, my first, middle and last names are out of order, or are misspelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 12. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 15. there is some inaccurate information reporting. Account Number : XXXX Please remove it from my credit report. 16. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 17. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX XXXX  18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I logged into my Crypto.com account three days ago. I logged out and tried to login back in about 10 minutes later and couldn't. I have contacted support and they still haven't assisted me in logging into my count. My email addresses are XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

i am filing a complaint against CAsh app ( block , INC ) due to inadequate customer service and unfair practices, which violate the Consumer Financial protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was unfair an deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations
Product: Checking or savings account

I opened an account with US Bank on XX/XX/XXXX with a promotional code of XXXX which based upon amount of direct deposit a promotional bonus was to be paid. I met this criteria in the first 60 days with $ XXXX in money direct deposited into the account. I called in early XXXX to ask why the bonus hadnt been paid and they said wait until XX/XX/XXXX and if it wasnt paid to contact them back again. I contacted them back again on XX/XX/XXXX and they entered yet another case this time and told me someone would contact me to ensure it was paid out. Now I am XXXX weeks past the second case entered and still no contact or promotional payment paid out.
Product: Mortgage

In XX/XX/XXXX I refinanced my mortgage with XXXX XXXX XXXX, XXXX Six months after the loan was closed, Wells sold the loan as a pool to XXXX XXXX. The selling of loans is a common practice with lenders.XXXX then securitized the pool and sold it in small pieces to various investors. As a result of this action, I do not have a lender for my loan with whom I can discuss hardship issue. Wells continues to be the servicer on the loan and the Master Servicer as well. XXXX XXXX XXXX XXXX XXXX is the trustee over the pooled loan. My loan is in tranche XXXX XXXX. I am looking to find it there is any recourse that I have with Wells for selling my loan, XXXX for being the last named owner prior to creating the tranche. I am finding it difficult to pay my mortgage and would like to get a loan modification. Is there any assistance that the CFPB can offer to assist me and other borrows in this precarious position. Please see previous complaint and response provided by Wells in the XX/XX/XXXX complaint.