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

Opened a B

lock ( or Square, if you will ) account for a little side business I was starting up. Had a few prepaid debit cards people had given me before I had a payment processor set up and ran through through Square to keep things official and charge them like normal. The next day, Square claims they were closing my account because they " couldn't service my needs '' and that they were going to hold the money hostage for 90 days before releasing it to me.

Just to be clear : I was both the payer and the payee in these transactions, so there's no capability for any fraud to take place. And, since they were prepaid debit cards that I was depositing, I can't simply " refund '' the money back on to the cards since they're single use in order to charge to my new, more ethical, payment processor.

I just want the money that I paid *to myself* returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed the following issues on my credit report : XXXX  XXXX XXXX THERE ARE SEVERAL INACCURACIES 1. The high balance IS INCONSISTENT WITH THE OTHER BUREAUS. The reporting information is supposed to be the same and accurate across all three bureaus please delete this account immediately!

2. The date opened is inconsistent with the other bureaus and is supposed to be accurate across all three bureaus please delete this account immediately!

3. The last payment date is inconsistent with all three bureaus and it's supposed to be accurate across the three bureaus please delete this account immediately!

4. The account type is inconsistent across all three bureaus and is supposed to be accurate across all three bureaus. Please delete this account immediately!

5. The credit limit is not reporting the correct information and should be reporting accurately across all three bureaus. Please delete this account immediately! 

Please investigate and provide proof on how this account was verified. and delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, XXXX, Equifax and XXXX  as well as the CFO 's of each were cc 'd and provided via Certified mail, a request to the original creditor, XXXX XXXX XXXX XXXX, to provide validation to the allege debt being reported to the credit bureaus see complaint XXXX. Nothing has been provided. However, even though XXXX, Equifax, and XXXX  are fully aware that no documentation has been provided to support the validation of account, they have failed to remove the debt. In fact, on XX/XX/2021, XXXX  concluded the debt to be verified by grantor for the third time but has no documentation to support their conclusion and they have concluded prior to receiving any response from XXXX XXXX XXXX XXXX regarding the allege account. ( see attached ) I have also been refused full disclosure of my credit file.
Product: Debt collection

I contacted my credit card company to settle the debt that was owed. I was informed that my debt had been sold to XXXX XXXX XXXX and was provided a phone number of XXXX. I called and spoke with a woman with a foreign accent named " XXXX XXXX ''. I explained to her that my husband and I were in the process of obtaining a home equity loan to pay off our creditors, and that when I had previously spoken to my credit card company they were willing to settle the account for the amount of {$7500.00}. I explained that in the time that had passed that we received the letter from them and that our approval was given and our closing was scheduled, the credit card had sold the debt to them. I asked if they would be willing to accept the same offer that we were provided by the credit card company and that I hoped that they would because the loan acceptance was based on those figures. She said that she could not accept {$7500.00}, but would accept {$7700.00}. I said that would be great, and I would like to accept that offer. I asked if she would please send a settlement letter and she agreed that she would. I waited the whole day before calling back because I did not receive the letter. I called back at XXXX and was assured that I would receive a letter. I received an email with a link to click on that took me to their website. I logged in with my account information and saw that there was a " custom offer ''. I clicked the link, but it would not allow me to accept the offer. I have called back and spoke with at least three other people ( including a manager ) who are unwilling to generate a letter for me. How is that they have offered this amount to me to settle, but will not generate a letter stating such? The only thing that my online account states now is that I have made a payment arrangement in that amount, but it does not indicate that the account will be paid in full upon paying it. What is to keep them from coming after me for the difference after I pay them? They have not provided me with a statement to their figure that they said they would accept as payment in full. I know that they are capable of doing this because I have another account with them in which they did.
Product: Checking or savings account

This is follow up and an additional complaint on USAA. 

The attached letter discusses the issues. 

USAA has not given answers to the two issues 1 ). May I please have the XXXX XX/XX/2020 documents 2 ) May I get an explanation for why my USAA was terminated and why I am " lifetime undesirable '' at USAA. 

They called and said nothing.
Product: Checking or savings account

My Citi high-yield savings account was closed without notice. When I called for an explanation, after multiple times, I still did not receive an explanation, they hung up rudely every time. On XX/XX/year>, the account was closed by them, I received an email stating I would receive my funds within 60 days. It has now been over 60 days, I called Citi fraud department again. They again refused to provide an explanation and stated they were not going to return my funds, which totalled over {$23000.00} due to fraud. I'm a XXXX XXXX XXXX XXXX, all my funds come from Social Security and my traditional IRA. I have a digital paper trail of all my money deposited into that account which was transferred from my traditional IRA with XXXX to my checking account with XXXX XXXX  and then transferred to Citi savings. No fraud was committed whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute  XXXX   XXXX  and  XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.
Product: Checking or savings account

I opened a new account at Charles Schwab, a checking account with debit card and checks, as well as a XXXX account on XX/XX/XXXX. I transferred XXXX XXXX dollars into my checking account and they locked my account without any warning text, no email, no phone call, no nothing. Just a message when I try to log on saying my account is on na security lock and to call customer service. Now a month later, still no access to my account or my money. Every time I call, they say they can't tell me anything, it should be 2-3days. It ; 's been a month, I need access to my funds. Please help.
Product: Debt collection

Beginning on XX/XX/XXXX, I started receiving calls from a company, XXXX XXXX, who indicated that they were calling to collect on a debt that I owed with Check n ' Go from XXXX ; 4 years ago. I explained to them that I never took out a loan. The address that they had for me was incorrect. I explained to them that I would need to file a stolen identification complaint with the government, as well as contact all of the three credit reporting agencies, which would take some time. However, I told them that I would pay the loan but that I would need to take a loan out of my 401k. I explained to her that it would take 10-14 days to complete this task. She repeatedly called me every day and began harassing me at work. She even contacted my human resource manager today XXXX XX/XX/XXXX XXXX that said that they were garnishing my wages. I have never been served with any correspondence, lawsuit, or emails, which they state they have forwarded to me. I received confirmation from my 401k company that the check was mailed to me on XX/XX/XXXX. However, they continued to harass me at work, calling several times a day and threatened to " come to my employer and take action. '' This occurred every day beginning XX/XX/XXXX. I attempted to contact them again today, XX/XX/XXXX, to make arrangements. On today 's date, XX/XX/XXXX, I told them that I would pay the debt, but would need something in writing before I did that. They told me that they verified my employment and they did not need to speak to me anymore and hung up the phone. The same person continued to call on a daily basis, but was calling from a different number every time.
Product: Debt collection

After I told this debt collector that I would pay even though I dont have memory of this account they still decided to harass me. They would also call my grandma and uncles asking for me last year Im XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law Recently the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing 'sham investigations ' and other unlaw practices. These practices, as outlined by the CFPB, include ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc XXXX681 i ( 7 ) Read A and 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

remove false information from my credit report
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  XXXX Account XXXX : XXXX Account name : XXXX  Account number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681ae never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Mortgage

My mortgage was sold several times. XXXX  XXXX XXXX during the housing crisis had to go through the process with me then they sold my loan. It was sold again, and I was with. XXXX XXXX, and then XXXX XXXX XXXX  who completely botched the loss mitigation process ( my place of work laid me off before closing its doors ). I complied with all of their requirements within 1-2 days of request ( I have dates and recordings of calls and emails to support my claims ). I repeatedly called them, as they did me as well, however, the agent on a couple of occasions had to correct the record on their end as she saw my documents were in. She told me that shes was just waiting on approval from underwriting. At the time I had a foreclosure date. I understood that that would stay until my loss mitigation paperwork was approved by underwriting. Well, they sold my loan again, and I didnt know until my house was sold at auction. The company that bought my loan was Selene Finance. They did not wait the required number of days after buying the mortgage from XXXX XXXX XXXX, that is required by law, before they sold my house at auction. I didnt know about Selene, until I received a notice in the mail about my mortgage being sold to them, I called and they said they sold it at auction days before. I of course contested, filed complaints, etc. My evidence showing my compliance with their requests, the fact that the Arizona Department of Housing, the various federal regulations in place at the time, werent regarded. I didnt have an attorney, and I believe this is a systemic possibly discriminatory practice of selling off homes of distressed minority, or female homeowners in distress. I would be very interested to see if this is a common practice for mortgage servicers like Selene Finance and XXXX XXXX XXXX, playing the shell game with peoples homes. Telling them that they qualify, running out the clock, and selling the home from under the homeowner. I had just had a {$6000.00} air conditioner put in. Would I do that if XXXX XXXX XXXX  had given me ANY indication that my house was still slated for auction. They tell you to ignore that date ( XXXX  XXXX XXXX did it tooL but isnt that dual tracking ... also an illegal foreclosure practice? The fact is, my documents and their documents show that they 1. Did not process my paperwork according to federal guidelines ; 2. They did not process my paperwork or give me an answer to my loss mitigation request in a timely manner ( I had offers on my home, but wanted to stay if approved ) ; 3. Pertaining to Selene Finance, they took action ( the auction ) BEFORE waiting the lawfully required number of days after receiving my mortgage ; giving me, the homeowner, an opportunity to enter the loss mitigation process with them, sell, short sell, etc. I want to know what my rights are, and I would like the mortgage companies/servicers held accountable to the law. I know I wont be getting my house back, but there are material damages that if at all possible, I would like addressed.
Product: Debt collection

I am requesting debt validation, according to 15USC 1692G, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with I C Systems Collections, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights.

1. Send full detailed list of payment history on this account 2. I want to see original signature that I agreed to on the contract for this creditor 3. Has there been any insurance claims filed on this debt 4. I want to see the chain of title you have on this debt
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my lederally protected consumer nignis to privacy and condentality under 1o Usu 1681. 

Accounts : 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. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomo ete and not accurate. And accordine to the tair credit redortind act vnenever 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 15 USC 1681 ( e ) ( b ). 
And according to 15 Use 168115 they are suppose to do this ( 5 ) reatment of inaccurate
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to the dispute the negative information/activity reported to the Credit Bureaus dated XX/XX/XXXX. This action resulted from mismanagement of my financial paperwork by Honda Financial Services. The situation all started when I called Honda in XXXX, XXXX to update the bank account information where the installment payment is being taken out each month. I requested to remove XXXX XXXX  and replace it with my new bank account at XXXX XXXX. I was told that I can schedule onetime payment over the phone till Honda send me documents to fill out and return back in order to update the bank information to XXXX for future installment payments. During this call, I schedule a payment of {$370.00} which was taken out of my new account at XXXX on XX/XX/XXXX. In the meantime, I received the document from Honda, which I had completed, signed, and returned back on XX/XX/XXXX. On XX/XX/XXXX, the bank holding our car loan called me because the amount for the month of XXXX was not paid in addition to XXXX. When I told the bank about the issue, they were able to locate my new account information at XXXX XXXX  and processed the payments for these two months over the phone. I then found alerts from the Credit Bureaus indicating a negative alert posted by Honda on my credit and my husbands who is also a signer on the car loan. I called Honda on XXXX XX/XX/XXXX to question the action and I found out that the document which I signed and received by Honda on XX/XX/XXXX was not uploaded into my file till XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX whose phone # is XXXX reported my name to the credit bureau for {$260.00} for failure to pay him. The child was covered under medicaid and they refused to bill medicaid for services rendered.
Product: Credit reporting or other personal consumer reports

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being XXXX  % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried getting this issue with TransUnion resolved since XX/XX/18. As a result of TransUnion completely ignoring my dispute I have gone to the FTC regarding the fraudulent collection account reporting on my credit file belonging to XXXX XXXX XXXX XXXX partial account number XXXX, TransUnion blocked the last four numbers of this account. This is my official Identity Theft Report for TransUnion. I have attached all required documents to this complaint that the FTC states. The included documents are as follows. Identity Theft Report, Drivers License, Social Security Card, Proof of Residency, FCRA 605B and, TransUnion Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  for 19 years, and XXXX on XX/XX/XXXX. I was able to briefly see that someone took a car out in my name, credit cards, etc. then I get a letter from franchise tax board saying I owe {$2000.00} or else from XXXX. I began my XXXX  in XXXX. I tried calling them and credit bureaus with no success. XXXX, transnational, XXXX, etc. all gave me run around and blocked me out. I filled out all the paperwork they required online and then wrote me saying the info was a problem so couldnt send my free report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Chexsystems to clean up information I do not recognize and they refuse to remove anything. I'm being denied access to a new credit union to buy my dream house. Chexsystems is ruining my chances.
Product: Debt collection

This collection was reported TWICE on my account. I went from having no collections to one popping up. the information is incorrect and the dates are all over the place! 

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Closed. {$310.00} written off. 

UNIFUND CCR LLC Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$310.00} past due as of XX/XX/XXXX.
Product: Debt collection

a collection company is harassing me and reporting an account that is not mine on my credit and calling my job repeatedly and filling up my work email with collections messages after i asked them to stop calling me