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

SQUARE Since XX/XX/2020 we started to sell products through our web page XXXX   and our e-commerce was Square. The first days we passedseveralcontrolsof safety verifications with Square. Since day one, Square knew that our clients in XXXX paid with pre-pay credit cards.We have 84 transactions without problems.Aftereach sale, we received from our clients the Payment Authorizations and we shipped their productos. The shipping policies are in our website XXXX. In XX/XX/XXXX, four XXXX  clients bought some products and each client paid {$1100.00}. Two hours after, we received the terrible email from Square Were sorry to inform you that we are deactivating your account. We reviewed you account and found that your Square account processed an excessive amount of prepaid card transactions, with violates the Square Seller Agreement, and your outstanding balanceof {$4700.00} will be reserved for up to 180 days ( but no less than 150 days ). It was terrible for us! We shipped all products to the clientes, and we received from their the Payments Authorizations.Until today, we have not been able to contact Square, they have a big wall, by phone we need a code, they dont have email. We have the payment authorizations and its no problem, its safe to us and to Square. Square wrote that if we need the money, we may refund the payment back to the cardholder account, but its impossible!!! the Argentinian banks said that we need resolve the problem with Square. Square knows that in XXXX banks dont exist payment back and that Chargebacks dont exist.You can read that in many forums on the internet many people complain about the same situation with Square.They do not find a solution.We discovered that square to all those small businesses thatholds their money for 90 days.Our sales have been to XXXX people and Square is discriminating and they are applying a return term of 180 days.This is very bad.Please, helps us, so Square can refund us our money, the pandemic is hitting strong our economic. We are a small home business. We did spontaneous videos, but the COVID changed our business life.
Product: Credit card or prepaid card

Chase Bank is already aware that this is a deceased account, they are still reporting me as an authorized user on a closed cardmember 's deceased account. I am not responsible for repayment.
Product: Vehicle loan or lease

hello I'm purchasing used XXXX XXXX XXXX for {>= $1,000,000}. Carvana ask me for my Social Security Number and after all my Personal Information was input, Carvana is asking me for a Down payment. My understanding is that is a violation of Title 15 U, S, C 1662b, I'm making a consumer credit transaction which I'm financing and will be making payments until I discharge Credit and Cash are not to be commingled in a consumer credit transaction no matter if is electronic transfer. Now Carvana is not performing their fiduciary obligation as the Trustees, and Carvana is in violation of Trust Law, and Title 15 U.S.C 1602 and Title 15 U.S.C 1611. Carvana is denying my unlimited Credit. I just want to access a portion of my credit and Carvana is breaking the law. I want to thank you for taking the time to help me I'm glad that I have you on my side. I hope we can resolve this misunderstanding. Thank you Sincerely : XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX I received an alert from my Experian credit monitoring service date XX/XX/XXXX, XXXX that inform me that a new trade line has been open in my behalf. The name of the company is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no idea who this company is and when I attempted to contact them at XXXX the representative informed to contact the credit bureaus and they can not do anything about. I even ask if they had a fraud department and they said no! I know there a breach with XXXX XXXX XXXX XXXX and possible my information could've expose. I would like for this account to be remove from my 3 major credit bureau agencies asap!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Re : Dispute of Inaccurate Information [ XXXX XXXX XXXX Account # XXXX and XXXX Account # XXXX ] Dear Sir or Madam, I am writing to formally dispute inaccurate information reported on my credit file. In accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), I request that you investigate the following accounts and either verify all information for accuracy or remove the erroneous details from my credit report entirely. 
The accounts in question are as follows : XXXX XXXX Services Account Number : XXXX XXXX  ( XXXX XXXX ) Account Number : XXXX I believe that the information currently reported is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), it is your duty to ensure that any information reported on my credit report is accurate and complete. As the information on these accounts is inaccurate, I request that you take the necessary steps to update it to reflect accurate data or, if verification can not be completed, remove the accounts from my credit report. 
Should you fail to fulfill this request within the legally mandated 30-45 days, I will pursue legal action to collect damages of {$1000.00} per inaccurate item as outlined by the FCRA. 
Please send me written confirmation once this issue has been resolved, and please provide me with the results of your investigation. 
Thank you for your prompt attention to this matter. I look forward to your resolution within the next 30-45 days. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional Acceptance Corporation is making me liable for an account my father signed on an auto loan. I as XXXX XXXX XXXX did not signed a contract on XX/XX/2016. The contract the company sent back with the contract and signature, that is not my signature it is my fathers so I should not be liable.
Product: Credit reporting or other personal consumer reports

So, this account transitioned from Dell Financial Services to Comenity Bank three months ago. On my credit report, I see this card been reported twice. I have contacted both Dell Financial Services and Comenity Bank by phne or email. Both says that there is not there doing reporting twice the same account, but the problem persists. 

In been reported twice, it is affecting the debt to income ratio.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Name : XXXX XXXX Name : XXXX XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXXXXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX Employers : XXXX XXXX : XXXX XXXX Collection/Charge Off XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$4700.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$930.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXI ) XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$930.00} XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$330.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX XXXXXXXX XX/XX/XXXX {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$450.00XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$880.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$460.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$930.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$460.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$150.00} Late Payment XXXX XXXX XX/XX/XXXX {$0.00} Inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the CREDITORS regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this CFPB Complaint demanding to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and Information that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 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 XXXX XX/XX/XXXX . I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account Discover Card has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USIC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 a purpose.
Product: Credit card

I get paid on the first of the month. I call my creditors to pay my bills even if I have not received the statements from the company. 
I recently noticed that I owed American Express a {$40.00} late fee plus interest even though I hadn't used the card the previous month. 
I called & talked with a representative and I was told that because of the way their system works, my payment is considered late. The payment due date is on the XXXX of the month and I am calling and paying the full amount owed within the first few days of the month. I tried to explain that this wasn't making any sense as I call, ask what the balance is ( I haven't received the statement yet. It usually comes around the middle of the month ) and I pay the full balance ( not what the statement would be ). How in the world can this be considered late? The representative tried to tell me that because I was paying the bill just a few days after the due date that their system considers my payments late. My daughter has noticed that they've been charging me late and interest fees before. I feel this is committing fraud as I am paying the full amount before it's even due. 
I am asking for a refund of the late and interest fees.
Product: Credit card or prepaid card

I have been doing business with this particular credit card for the last 10 years under our company name.
We have made excellent payments to this company- from full payments to the credit card to consistent payments for the last 10 years - our interest rate was 12.9 % Since 2016 we have struggled with our business and we have seen our credit suffer - although we have maintained making payments to the credit - The credit card company started raising interest rates without noticed - from 12.9 % to 15.99 % interest and finally to 21.9 interest - practically double the amount of interest - I did not catch the interest hikes.
Their explanation was since our credit has deteriorated thus the interest - hikes causing us to pay that much more in interest payments.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING AC T ACCOUNT # XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. STATES 1 HAVE THE RIGHT TO .PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Mortgage

I have been trying to pay off my mortgage with Chemical Bank ( XXXX MI ) since XX/XX/XXXX. The mortgage servicer did not provide payoff statement, as repeatedly promised during my more than one dozen attempts to get them to send me a payoff statement. They kept sending me encrypted emails linked to their website that directed me to another individual 's phone number for security password, and repeatedly sent me loan transaction statement instead of payoff summary. I made two payments, one on XX/XX/XXXX representing majority of the payoff, which was " misplaced '' for two weeks when I talked to the same rep who I informed of the payoff payment 's coming. No one contacted me back after they committed to have the payoff dept contact me, about 10 times, XXXX minutes later, I still don't have a payoff statement that ties to the correct payment date and interests. I made another payment XX/XX/XXXX after waiting for two weeks with no avail, which they haven't applied still. Fees were added at various amounts for " recording fee '' yet no accounting statement of final interests, fees, and principle with correct dates and interests. I was told only one person from the payoff dept is able to get me a payoff statement yet she absolutely would not talk to me to answer any question. The reason I wanted to close and payoff this mortgage was exactly because during the servicing period since the mortgage started in XXXX, they repeatedly made mistakes, escrow insurance when I had my own coverage, then placed a fee, three years in a row same practice. Such bank is very scary to handle this type of transaction of this size. I have sent a large payoff amount then contacted them the very next morning, how could you " misplaced '' it? I hope other consumers will learn about my experience and do not do business with such a bank
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I signed up for XXXX {$19.00} subscription. I was promised access but was never given same. I was authenticated. 

On XX/XX/year> I canceled and asked for refund ... .no refund came. I was authenticated. 

On XX/XX/year> I asked for refund, given assurance and # XXXX but no refund. I was authenticated. 

On XX/XX/year> I spoke to XXXX who said he would refund # XXXX and on XX/XX/year> a refund to my XXXX XXXX for {$19.00} took place. I was authenticated. 

On XX/XX/year> Equifax charged my XXXX XXXX Acct for {$19.00} for canceled service. I was authenticated. 

On XX/XX/year> I attempted to obtain refund from Supervisor XXXX then later from Supervisor XXXX, but was told I was unable to authenticate my identity although I answered same questions previously. I want Equifax to stop fraudulently charging me for services they are not providing.
Product: Debt collection

Credence Resource Management , LLC ( XXXX, Texas ) placed a collection on my credit report for a debt that was not mine. No attempt to notify in writing, to do basic validation of a debt clearly in another state. I have contacted Credence, the original company XXXX, credit bureaus, the CEO of Credence, and have filed a police report and still am not satisfied.
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. 

XXXX XXXX  XXXX : XXXX, XXXX XXXXXXXX TX : XXXX, XXXX XXXX ( XXXX ) : XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX IN : XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit card or prepaid card

I'm writing this complaint with the CFPB because of XXXX ' blatant refusal to rectify the issue. I purchased ( XXXX ) appliances from XXXX a side-by-side refrigerator ( {$1800.00} ), an over the the range microwave ( {$530.00} ) and a XXXX gas range ( {$940.00} ) ; via Citibank 's shop-your-way card with deferred billing Interest for 12 months. The delivery date was set for XX/XX/XXXX. However, XXXX reschedule the date for XX/XX/XXXX. XXXX delivered the refrigerator, microwave and attempted to deliver a range that I did not order. I refused that range. They would not give me a date when the correct range would be delivered, so I asked them to cancel the order for the range and refund the cost of the range to my card. To date, that request has not been fulfilled. Keep in mind that my first payment was due on XX/XX/XXXX before my delivery date of XX/XX/XXXX. I told XXXX I would make a payment on XX/XX/XXXX after I received my goods on XX/XX/XXXX. I made a payment of {$260.00} on XX/XX/XXXX and another payment on XX/XX/XXXX. To date XXXX has not deducted the price of the range and is adding accrued interest on the total amount of the ( XXXX ) appliances, not minus the range. I have not received any information regarding the billing dispute filed on XX/XX/XXXX. I am left with no recourse but to file a complaint for deceptive and non-transparent practices.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

The credit card company was reporting inaccurate. My credit card debt is paid per obligation of the United States. 

31 U.S. Code 3123 18 U.S. Code 8 15 U.S. Code 1692/1692e and 1601 Privacy Act 1974 - 15 U.S. Code 1692c
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep concern regarding the inaccurate information provided by TransUnion 's rental services. Despite submitting multiple rental applications, I have been consistently labeled as a risky renter due to the scoring systems utilized by TransUnion. This labeling has resulted in numerous denials for rental properties, and I believe that others may be facing similar issues, which could ultimately contribute to homelessness.

I want to highlight that I do not have any evictions, collections, or other negative credit accounts reflected on my credit report. The core of the issue lies in TransUnion 's practice of providing my FICO Score 2, which is primarily used for mortgage evaluations, instead of my FICO Score 8 to landlords who request my rental information. This misrepresentation of my creditworthiness has seriously impacted my ability to secure housing.