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

On Sunday, XX/XX/2019 I discovered that {$1100.00} was automatically deducted by Square from my XXXX XXXX account. No advanced notice or warning was given to me about a possible deduction.

I called Square on Monday, XX/XX/XXXX and the representative ( XXXX ) informed me that an email was sent to me on XX/XX/XXXX ( by XXXX ) saying that it was because of a negative balance and because of a payment dispute. He forwarded me the original email that was sent to me by XXXX, however, this email did not state any information on which account and no info on a dispute and who did a dispute. I was very surprised and explained to the representative that I do not have any payment disputes listed within my account and he stated that it was because of another account. I also explained that I did not see any payment dispute in my other account. He informed me that he could not give me any other information and I would be required to just wait for an email from square. 

The next day, I called again on XX/XX/XXXX and spoke to another representative and wanted to find out information of why this amount was deducted. This representative was also not able to provide me with any information and stated that I should wait for an email from Square. 

On XX/XX/XXXX I received an email from Square Recovery stating Weve confirmed that the account XXXX 's XXXX XXXX associated with XXXX is connected to XXXX XXXX XXXX XXXX. 

At this point I still do not know why this amount was deducted and they have not responded with any information on any payment disputes. I do have 2 accounts and in both accounts I do not have any payment disputes listed, nor did they offer me any other information or breakdown of why this amount was deducted. They also stated that this investigation is closed. 

I also want to state that in my whole time being with Square ( approximately 8 years ), I only had 2 disputes and those were ruled in my favor and after those disputes I never received any other disputes so I do not know what they are talking about. I would like to state further that most of my transactions range in the amount of {$50.00} - {$70.00} for each client so it would be impossible to have a payment dispute of {$1100.00}. I should have the legal right to know what this dispute is all about so that I could respond with an appropriate answer, or that I can further investigate, however, Square refuses to provide me with any information of why they illegally deduct money from my business account.
Product: Bank account or service

I spoke with the bank Representative around XX/XX/2017 to request a payout information for my HELOC ( Home Equity Line of Credit ). The bank representative never disclosed to me about any fees whatsoever. A few days after that I notice a {$25.00} fee assessed by the bank.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, and XXXX are not complying with their own policies in a timely manner. 

On XX/XX/XXXX I wrote TransUnion, XXXX, XXXX About some inaccurate And Incomplete Credit information. and I Demanded to see Verified Proof. it XX/XX/XXXX and I have yet to hear back from either of the three credit bureau. with them failing to do so has hurt my ability to obtain credit UNDER FCRA UNVERIFIABLE ACCOUNT MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERFIABLE PROOF. YOU MUST REMOVED THE ACCOUNT.
Product: Student loan

The bulk of my student loans are with the Department of Education and are currently in deferment while I complete my specialty training. However, there were XXXX minor loans through XXXX XXXX, which they sent to Campus Partners to collect those loans. I was unable to get a deferment for those loans, despite completing the paperwork ( no reason was given, just a denial ), and I contacted XXXX XXXX to make repayment arrangements that I could actually afford to pay : Campus Partners was demanding $ XXXX, which I certainly could not afford with my training salary. ( Campus Partners had tried in XXXX to tell me that I had to IMMEDIATELY repay $ XXXX in loans and tried to get my parents to sign an equity loan on their house to repay - or they threatened I would not get my XXXX. I contacted XXXX XXXX, and they intervened. I have attached the email to this complaint ). My problem is that I am repaying the loan on a schedule that I had agreed with XXXX XXXX in XXXX, but Campus Partners continues to provide extremely negative input to my credit report. I will complete the specialty training in XXXX XXXX, and will be in a better position to pay both my Federal and private loans ( Campus Partners ). Is n't there a way to have my credit report reflect my payment of the XXXX XXXX loans instead of the continued negative monthly reports??? Campus Partners is unbelievably unresponsive, and it is hard to believe that they are really a non-profit. Their collection tactics are aggressive and money-draining, including the exorbitant fee that they charge for online payments! 

Please help me! 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

Received a bill for a indigo credit card which i never applied for and was charged fees for a card i don't have and account i never started
Product: Debt collection

FCRA Section 604 Permissible Purpose FCRA Section 609 Disclosures to consumer
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Paypal Marstercard Synchrony, account was opened during a year, never missed payment... account closed because my bank account was compromised, I updated payment method and Synchrony proceeded to close the account. Synchrony is aware delayed payment never existed, still hurting my credit negatively with payment inclompliance... always asking for 60 days to fix the credit report and no actions taken!
Product: Credit card or prepaid card

I never received the merchandise for this order placed on XX/XX/2022. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I had originally contacted the merchant on XX/XX/2022, and XX/XX/XXXX both via email ( see attachment enclosed ) and telephone, both times the merchant has confirmed saying that no sales were to be finalized ( C.O.D. ) The merchant assured me there wouldn't be a charge made to my account. 

XXXX TO SHIP TO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX INVOICE XXXX DATE XX/XX/2022 TERMS Due on receipt DUE DATE XX/XX/2022 SHIP VIA XXXX priority mail QTY ACTIVITY RATE AMOUNT XXXX MUSIC INSTRUMENTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Ship smaller XXXX as agreed over the phone - reduced to {$230.00} instead of {$250.00} Reduced shipping from {$60.00} to {$55.00} SUBTOTAL XXXX TAX XXXX SHIPPING XXXX TOTAL XXXX XXXX DUE {$290.00}
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Submitted a dispute for a credit card Account beeing opened up in my name due to fraud, I sent it by way of XXXX mail XXXX. To : Kohls # XXXX Capital One Bank, they never responded back. But yet this bank has pit this balance on my consumer report. Had this company Done their due diligence and answered my dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and would have been Is impossible for me to have opened this account. I ask that u order company of to answer this complain
Product: Mortgage

I was shocked when I reviewed my credit report and found late payment on the dates below : 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as ofXX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXXI am not sure how this happened, I believe that I had made my payments to you when I received my statements. How can you report me late so many times when I have records of paying?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 we had a house fire XX/XX/2020 requested financial help from Quicken Loans XXXX 2020 Quicken placed my loan in the forbearance program XXXX 2020 I paid {$50.00} per month as part of the forbearance program XX/XX/2020 the forbearance program ended XX/XX/2020 I paid my full XXXX mortgage payment and all outstanding monies for XXXX, XXXX, XXXX. 

XX/XX/2020 Quicken reported my loan XXXX days past due, i was alerted by XXXX/XXXX via email my Loan was going into foreclosure and reported to XXXX. 

XX/XX/XXXX I placed several calls to Quicken Loans to resolve the issue. Customer service, account resolution, executive escalations said they could not correct the mistake, according to the forbearance documentation i was out of compliance. 

Quicken mailed all documentation to the house address that burned down. I never received any of the mail. When i spoke to Quicken Loans on the phone I told them my plan to repay all payments in XXXX, that was in XX/XX/2020. 

Quicken Loans documentation indicated i made the XXXX, XXXX, XXXX payments as stipulated in the forbearance agreement. 

Quicken Loans never documented or informed me if payment was not made by XX/XX/XXXX I would be reported to the credit bureaus as delinquent. Language from their documentation " This may have negative impact on your credit score ''. 

Quicken Loans sent me on XX/XX/XXXX an electronic copy of my forbearance documentation. The electronic copy was sent at my request. 

Quicken Loans did not provide me with legal documentation in a timely fashion. Quicken Loans did not provide any documentation indicating my credit would be negatively impacted if all monies were not paid back by XX/XX/XXXX. Quicken Loans did not act in a professional manner in dealing with my complaint and escalation request. Quicken Loans acted in a predatory manner continuing to call me daily to re-finance my loan, which was not possible because of the re-construction from the fire. 

Quicken Loans documentation clearly states i made payments for XXXX, XXXX and XXXX, and fraudulently reported my loan as delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been reported late from my mortgage co for the second time now. I originally reported and disputed on XX/XX/XXXX. XX/XX/XXXX, I recevied they reported my mortgage late again when the mortgage has never been late and has been paid off ... .I disputed the first time and they reported again, this has cause me being unable to purchase a home. This has cause me not being about to purchase my new home and caused my score to decrese significantlly. I attached the letter they sent from the XX/XX/2020 reporting but they reported me late again on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XXXX of this year, I noticed that my credit scores plummeted after I requested an old account be removed from my XXXX credit report. Instead of following the requests of my dispute, the credit bureau took it upon themselves to file a false dispute. In which they claimed that I filed a dispute requesting that they update my old car payments because they were reported incorrectly. This is false information. I initially filed a dispute with XXXX, simply insisting the account was too old to be on my credit report, requesting that it be removed, because it was still showing it as being opened, which its been closed since XXXX. The company XXXX XXXX XXXX has been on my report since XX/XX/XXXX ( almost 10 years ), and according to law, consumers can request items be removed from their report that are over 7 years old. Instead of following my dispute, they requested all old late payments from XXXX XXXX XXXX be updated on my credit report, which is what caused my scores to drop on all three of my credit reports, also causing the lifespan of the account to start over. I went into a branch to verify why XXXX reported these old payments, and was told that Equifax requested this information after receiving a dispute from me. The representative I spoke with also informed me that this starts the reporting process over.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it May Concern, I recently receive a copy of my ( XXXX, XXXX & TransUnion XXXX credit report and noticed some late payments posted on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1666 ( b ) -permissible purpose of a consumer reports. THE LAW CLEARLY STATES.

( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer report to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 16681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subjects to section 1681s-3 of this title any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payment from my consumer report, this agency is in violation of 15 U.S.C. 1668.

Failure to respond satisfactory with deletion of the above referenced account, and sent out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also {$1000.00} per violation fee.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity fraud 3. Fair Debt Collection Practices ACT 15 U.S.C. 16692g violations 4. Fair Credit Reporting ACT U.S.C. 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15 U.S.C . 1681n ] Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX I tried disputing these XXXX debts with XXXX and XXXX. I settled these 2 debts through a 3rd party made all payments on time as agreed and paid off. I was unable to get information from LVNV with the account numbers that are reporting on credit report. I have been disputing this with XXXX and XXXX but they have failed to update balance with settled amount or pays as agreed status. As a result this has caused continued harm to credit reputation.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I placed an international wire with my bank XXXX in the amount of XXXX with JP Morgan Chase being the middle man with XXXX XXXX In the XXXX to receive for one of there customers the money was never received to the customer and XXXX has sent 3 requests asking for the money to be return or an answer from XXXX to provide us answer where the money has gone and still NO responds from them .. I have called JP Morgan Chase for Answer No once can provide me any answers.
Product: Debt collection

I called Nation Recovery Center, Inc. Located at XXXX XXXX XXXX XXXX. XXXX, GA XXXX on XX/XX/XXXX. They informed me of a debt I was alledgedly sued by from a previos law firm holding said account. I do not recall this account. The party I spoke to who 's name was not clearly given to me told me I 'd have this alledged debt, from XX/XX/XXXX attached to any and all account related to my social security number. I do not recall the debt, was told I had to do something today because " there 's nothing I can do to help you wheb it leaves this office. '' I told him I do n't recall the debt from XX/XX/XXXX and that I 'm XXXX and do not have the money, nor recall being notified of the lawsuit back in XX/XX/XXXX in an attempt to collect. I was not given the oppourtunity to contest the debt and once told I was XXXX and unable to pay, if In fact I owed such debt, I could not pay it. I was given vague information regarding the debt and told it was for a " XXXX card, '' and nothing more. I was not given the initial debt holder, date of judgement, not any of the pertinent information regarding anything of use to me to verify such debt is legitimate. For all I know, this could all be made up in an attempt to get me to pay them money I do n't believe I owe, but again, I was never given the oppourtunity to contest the debt before being told it would " be attached to any and all account related to my social security number. '' I do n't understand any of this and I find that this debt collection agency to be in breach of Fair Credit Reporting Act and they used threatening tactics to get me to pay a debt I alledgedly owe.
Product: Debt collection

Midland Funding LLC XXXX XXXX XXXX XXXX Took an account that was charged of in XX/XX/XXXX and re-aged the account to XX/XX/XXXX when I called them to inquire as to what the account was for. My understanding is this is illegal.
Product: Credit card or prepaid card

I filed a complaint for a card that was opened fraudulently from XXXX. I provided the company with all the information supporting the fraudulent charges and opening of the account. 
I closed the account and after the investigations teamed reviewed it they marked the card valid. 
This is wrong and I would like to dispute this decision.
Product: Mortgage

I got a mortgage from PNC Mortgage for my home. When applying for the mortgage I was told by my loan officer, XXXX XXXX, that I would be able to make bi-weekly payments that would be applied to the loan immediately and not sit in a holding account until the second payment arrived. I am now finding out that PNC 's bi-weekly payment plan holds the first payment in an account until the second payment is made, forming one monthly payment. Being able to make bi-weekly payments that are applied immediately to the loan was the main reason I chose PNC, but now I have learned that I was lied to. The conversation I had with XXXX was on a recorded line and I asked him this on XXXX separate occasions. This is the second issue that I 've had with PNC making false advertisements/claims to me on a recorded line XXXX XXXX call would have been around XXXX XXXX give or take a week ). Their actions are unethical and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX and GM Financial have violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604 A ( 2 ) : States that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

when i opened my credit report i saw an offer that indicated that i should put my information to accept an offer that was suppose to check my final qualification without affecting my credit which turn out to be false because it immediately affected my credit as an inquiry, it is a false advertising and confusing at the best
Product: Checking or savings account

I opened an account with KeyBank in XX/XX/2021. When I opened my account I did not opt in to overdraft protection. This month ( XX/XX/2021 ) I noticed that there had been multiple one-time charges to XXXX ( billed as XXXX ), XXXX, and XXXX  that I did not have sufficient funds for at the time of posting. Instead of denying the charges, KeyBank accepted these charges and assessed three separate {$38.00} overdraft charges to the account.

When I called KeyBank to fix the situation, I was told by a manager that previous information I had gotten was wrong and that KeyBank has no grace period on overdraft fees ( the day these charges had posted I had gone to the branch to deposit enough cash to cover the negative balance and was assured by the teller that by doing so I was avoid any fees ). When I asked why KeyBank did not honor the refusal of overdraft protection, the manager told me that 'misc ' charges do accrue overdraft fees, though this is in clear violation of CFPB guidelines as they were one-time charges.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Experian Information Solutions , Inc. ( EXPERIAN ) regarding inaccurate information reported on my consumer report. 

This complaint is grounded in the violation of a crucial CFPB rule concerning human trafficking. 

The CFPB, under 12 CFR 1022.142, prohibits the inclusion of adverse information in consumer reporting for cases of XXXX XXXX XXXX XXXX  is a severe federal crime, also known as XXXX XXXX XXXX XXXX XXXX XXXX, involving the unlawful trade of human beings against their will for commercial XXXX XXXX or forced labor. 

In my XXXX CFPB Complaint ID Number, I explicitly communicated to the Consumer Reporting Agencies ( CRAs ) that they lack my lawful consent to report the mentioned accounts, as indicated in the attached notices. Regrettably, the CRAs negligently failed to comply, disregarding my will and violating my human rights. 

Human rights, as outlined in Article 4 of the Declaration of Human Rights, prohibit slavery and servitude in all forms. The CRAs have, in effect, subjected XXXX XXXX to both direct and indirect slavery and debt bondages. 

Attached are notarized documents supporting my notices EXPERIAN ( collectively the " CRA '' ) have willfully and negligently failed to comply with multiple disputes, and I am now demanding compensation for damages, encompassing intentional infliction of emotional distress, humiliation, defamation, and other related harm. 

I hereby reserve all rights to sue, applying this to Experian Information Solutions , Inc., their parent companies, subsidiaries, affiliates, divisions, contractors, and all data sources and suppliers collectively referred to as the CRAs. This complaint is effective immediately. 

All Rights Reserved. 

Sincerely, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

i WAS A VICTIM OF IDENTITY THEFT AND WOULD LIKE THESE ALLEGED ACCOUNTS REMOVED IMMEDIATELY XXXXBMO Bank XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>