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

On XX/XX/2024, i received an email from square customer support ( her name is XXXX XXXX .Square Account Services ) with the detail about transferring my fund to my linked bank account to square. 

The full original email is : Square case # XXXX Hi XXXX, Thank you for contacting Account Services my name is XXXX XXXX, I am more than happy to assist you, I am reviewing your case. 

I just wanted to let you know that weve now lifted the protective hold on your account and you are all set to transfer your funds, I notice you have the manual option, here the steps to transfer your funds.

Log in to your Square Dashboard and click Balances.

Click the Square balance you want to transfer funds out of.

Click Transfer to transfer money out of this balance. 
Follow the step-by-step instructions to complete your transfer. 


XXXX XXXX. 
Square Account Services But they still frozen my account without any explaination and all my fund still stuck in their. 
I tried to call their number at XXXX with no luck ( no one answer my call during business hours ), i tried to email them 4 times to : XXXX still no respond at all. 
I tried to look up to their review on https : XXXX XXXX XXXX XXXX ( where they have office as stated on their business website ) and found out that many people stuck with them for the same situation like me. They just frozen account, sent us a message that wait for 90 days for transfer money back to our bank but never happen then just ignore all the case asking for money refund. 
I need my money back, please helps
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Information on My Credit Report Due to XXXX XXXX Dear XXXX Customer Service , I am writing to formally dispute inaccuracies on my credit report resulting from the data breach that occurred in XXXX. I believe that some of the information currently on my credit report is a result of fraudulent activity, and I request that these inaccuracies be investigated and corrected as soon as possible. 

Specifically, I noticed the following items on my credit report that I believe may have been affected by the XXXX XXXX breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquires are also unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items may have been created as a result of identity theft or unauthorized activity due to the breach. I ask that you review my credit report and take the necessary steps to investigate these discrepancies.

I request that you take the following actions : Review the listed accounts and remove any fraudulent items resulting from the breach. 
Provide me with the outcome of your investigation and a corrected copy of my credit report. 
Enclosed are copies of my identification documents ( e.g., drivers license, Social Security card, and proof of address ) to verify my identity. Additionally, I have included any relevant documentation supporting my claim ( e.g., a copy of the data breach notification, police reports, or fraud alerts ). 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you have a duty to investigate my dispute within 30 days. Please notify me in writing regarding the status of your investigation. 

If you need any additional information to process this dispute, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Santander consumer USA ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX ) I am in the process of getting an apartment for my XXXX yr old daughter and I. However I have noticed that I have hard inquiries that I did not take out and dont have any acknowledgment off on my credit score. Its impacting me because its been hard too find an apartment due to this. I need help of removing off my credit file. Santander consumer USA was taken out XX/XX/22
Product: Credit reporting, credit repair services, 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  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees Ive incurred. despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practice, where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and I request an investigation into my account transactions.
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 and 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 violation.
Product: Checking or savings account

I made a mobile deposit of 6 XXXX XXXX money orders to my checking account with USAA Federal Savings. Per XXXX XXXX, these funds can be verified electronically as soon as the money order is issued through their system which banks can access any time. USAA instead put a 15 day hold on more than 50 % of my funds. I have banked with USAA for more than 10 years without a single overdraft or problem from me. 

I complained to the customer service and then spoke with a supervisor who both verified the deposits and the hold but said it was done to prevent fraud. However, since the funds can be verified instantly with XXXX XXXX, this is not true and the bank could have easily verified the funds in a reasonable 24-48 hours instead of holding my funds hostage for up to 2 weeks. I want to stress, THESE ARE NOT CHECKS, THEY ARE MONEY ORDERS- I BOUGHT THEM SPECIFICALLY BECAUSE THEY CAN BE VERIFIED WITHOUT THE NORMAL CHECK CLEARING PROCESS. USAA simply wants to use the fraud prevention as an excuse to not make my funds available to me. It my money, not their to sit on and use as they like for weeks on end. 

If they have done this to me, they are no doubt doing the same for thousands of other customers, holding their funds without the customer being able to access for long periods of time.
Product: Checking or savings account

I was refused a Bank account from Chase Bank located in XXXX, AZ without proper reasoning. Can we please find out why Chase Bank is denying me a Bank account. I've already checked with XXXX and they said there was nothing in my file holding me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX College in XXXX KS was shut down due to misconduct and fraudulent activities within their organization. I feel they lured students in to profit off individuals looking to better them self. I have filed for the Borrowers Defense application process to have my loans discharged. The negative impact that it is having on my credit report is major and I continue to get no answers as to when a decision will be made from the Department of Education. XXXX the lender is impossible to get in contact with to follow up with the process. As well as the Department of Education. I do not feel I am responsible for said loans as I was lied to and preyed upon as many other were.
Product: Credit reporting, credit repair services, or other personal consumer reports

best egg fraud team never contacted me, by mail with any proof the debt was mines, they didn't submit any contracts, any id 's of me, nothing!! how can a company simply state, it belongs to you, and thats it!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a late in XX/XX/20 that I should not have. This late was a fault of XXXX XXXX as I kept trying to call and make the payment by phone and by doing it online, but they kept giving me the run around because their website was not working. This is not my fault and I shouldn't have a late.
Product: Credit reporting or other personal consumer reports

Inaccurate and incorrect personal information is being reported by Experian, Equifax and Transunion and that is a violation of the FCRA laws and my consumer rights. They have 4 home addresses listed on my credit report that do not belong to me or is associated with me. I have filed a complaint about these inaccuracies and yet these credit reporting agencies dont think they have to follow FCRA laws and it relates to accuracy and verifiable information. 


My HOME address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX MY state Drivers License has the same address as above. 
The following addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my Gmail emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Mortgage

In XX/XX/2019 I was speaking with XXXX XXXX with Mr. Cooper mortgage. I wanted to lower payment and not have a payment in XXXX of 2019. I paid my monthly payment XX/XX/2019. We closed XX/XX/2019 and was told by XXXX on the phone that I would not have a XXXX payment because of the refinance. I made XXXX and XXXX 's payment on time and they have sent me to collections and hit my credit for no payment in XXXX. I have also racked up late fees as well. I have sent payment as of XX/XX/XXXX to bring current but want them to honor what was promised, fix my credit, clear all late fees, and return the XXXX payment.
Product: Credit reporting

On XXXX XXXX I checked my credit report and all inquires were deleted. As of XXXX XXXX I checked back and now they 're replaced back on my credit report which has brought score down significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Mortgage

I lost my job and I am late on my mortgage payments. I want to work out a suitable solution for the bank and myself. The bank sent me a packet, I completed it and returned it to them. Approximately XXXX later I received a notice that my submission was incomplete and I needed to resubmit certain documents. I faxed these docs to the number listed. Another XXXX weeks passed and I received a document taped to my front door saying my home was scheduled for Sheriffs sale on XX/XX/2017. I am just looking for an opportunity to solve this issue, to include selling my home if necessary. I just need to speak with someone that has the ability to delay the sale so we can work out a resolution in good faith. 
Thank you.
Product: Checking or savings account

The bank assessed a {$35.00} overdraft fee and is refusing to waive it because of a debit card purchase that posted to my account nearly one week later. This debit card purchase is not recurring and debit card overdraft services are not enrolled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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Product: Mortgage

In XXXX my mom purchased land located in XXXX XXXX  she paid cash for this land and received a warranty deed for the land. later on she purchased a mobile home to put on the land in which she financed thru XXXX  XXXX  XXXX  a portion of the mobile home in the amount of XXXX she made monthly payments of {$430.00} every month from XXXX thru XX/XX/XXXX the loan was later sold to XXXX  XXXX  XXXX  company.. XX/XX/XXXX my mom passed away still owing on the mobile home. After her death I started receving bills from fay mortgage company. Fay mortgage conducted a foreclosure sale on the property in XX/XX/XXXX sold her land that had been bought and paid for. The bank claimed that they were the owners of the land versus the mobile home. '' in my opinion after 25 years and the loan was only for {$35000.00} I believe it's a mobile home had been paid for '' I do know that she took out a line of credit against the mobile home that she had been paying for monthly prior to her death after death XXXX XXXX XXXX ( company she took out a line of credit with ) forgave the debt. The company fay mortgage company conducted a foreclosure sale XX/XX/XXXX in which they purchased the property themselves. 
Faye mortgage company had the mobile home removed from the property and then sold the land separately for the {$35000.00} that they claim she owed on. I do have a copy of her warrenty ded she received on the land from when she first purchased land. I also have a copy of separate contract for the purchase of the mobile home she had financed
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT REPORT AND I ' NOTICED THAT I HAVE TWO OPEN ACCOUNTS THAT CONTAINS A FEW LATE PAYMENTS REPORTING ON MY XXXX  XXXX  ACCOUNT AND XXXX   ACCOUNT. I'VE HAD PERSONAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS EVER SINCE. I AM REQUESTING IF THERE CAN BE A GOODWILL ADJUSTMENT ON THOSE ACCOUNTS.
Product: Debt collection

Portfolio Recovery Associates opens multiple accounts keeping old accounts active in attempt to collect debt past the statute of limitations. Friday I received 1 call, Monday I received 1 call, Today, I received 2 calls from Portfolio Recovery even after they said that they ceased communications after there investigations due to my previous complaint of illegal activity within their business practices. But there is a portfolio recovery agent on the other end of each call.
Product: Checking or savings account

In XXXX of XXXX I called in and filed a fraud complaint explaining that I was charged around {$3300.00} for a purchase in XXXX, XXXX. I bought something for {$150.00} and was told this was the conversion rate in XXXX and that was the reason the dollar amount showed the {$3300.00} USD on the slip. I explained that I signed for the purchase, but then the following day saw that the charge was actually {$3300.00} and not {$150.00} in XXXX. I sent all the information to Comerica and the {$3300.00} was added back to my account as they submitted the Fraud investigation. ( Please listen to the first call. I shared all of these facts when I called to report the fraud once I saw that pending authorized charge on my account the following day. ) Although it was just pending, they said they could not do anything. 

In early XXXX the money was taken out again with the explanation that Comerica contacted the merchant and they had a signed receipt that authorized the amount paid. That was never the issue of the fraud and that was explained on my first call. I asked that my issue be escalated to a supervisor, where I was told there was nothing they could do. I asked to speak with management, and they explained there was no XXXX available and that they would have a XXXX call me back within XXXX hours. I did not receive a call. I called back on the XXXX business day out and spoke with a person at the customer service center who said that they would resolve this after I explained the entire ordeal to them all over again. They said it would take time to get the issue escalated for resubmission. That was late XXXX. 

I heard nothing after that, but had no access to my accounts to confirm the amounts had been resolved. 

Fast-forward to XX/XX/XXXX, and I receive a notice in the mail from XXXX XXXX XXXX for {$1200.00} for bank overdraft. I have never received a fee for overdraft at any bank, let alone for what I was told was being taken care of and the reason that we know this was over-drafted. I would simply like to see this XXXX XXXX Along with a letter for my records showing that it was XXXX XXXX. I should not be charged overdraft for obvious fraud. It would seem that the person I spoke with in late XXXX did not take action as promised. I was skeptical that they would follow-up being so close to the holidays, but I was glad to hear someone was trying to assist. They promised a follow-up email and phone call. I received neither.
Product: Credit card

XX/XX/XXXX - contacted company to close account. Asked that amount included any trailing interest assured it was current. Paid full amount closed card. 
XX/XX/XXXX or XXXX - received bill for interest charged between when I closed account and??? Called to request it be waived since I had requested during account closure. Fee waived. 
XX/XX/XXXX - received bill for interest again; called and was told that I had to pay it, no review of the account history told it was due. Asked to speak to a XXXX, who told me it was waived. 
XX/XX/XXXX - received bill for interest again, filing this complaint Of note, AE maintained a XXXX XXXX interest rate on my account for several months past the adjustment period, which I had to call to correct. They had noted I was delinquent in my payments because they were made, via direct deposit, on the XXXX or XXXX day of the month when the payment was due on the XXXX. They said I had to have a XXXX month payment on time to have a lower rate. But then did not lower the rate until I called to complain.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2016, I submitted a complaint related to a XXXX XXXX XXXX card that was used without my permission to purchase and reload dozens of XXXX gift cards. XXXX XXXX was nonresponsive. The CFPB contacted them and XXXX XXXX settled the account. I am now attempting to purchase a home and the late fees associated with these charges is majorly negatively impacting my credit score and subsequent interest rate on a mortgage. I have been informed that I need to make a complaint to the three major credit agencies to have this information removed to salvage my credit score. Please contact me as soon as possible regarding this urgent matter.
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XXXX XXXX  XXXX XXXX
Product: Mortgage

I received a bill for XXXX from SLS servicing on XXXX/XXXX/XX/XX/2015, on a Home equity line of credit i had taken out 10 years earlier. It said balloon payment due ( Final notice ), and if i do not pay by 30 days i am subject to foreclosure. This bill was for XXXX, the limit on the HELOC was only XXXX. I paid it off last week, and they deleted the extra amount due to make it the true balance of XXXX. I just do n't want this to happen to anyone else, and if they get an older rich person, they might just have sent them the higher improper amount. Thank you. 

XXXX will attach a copy of the bill if you want or call me with any questions at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with XXXX, XXXX  and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.