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

Square has my businesses repeatedly for Square Email Marketing, a service that I have never ordered, requested, tried, or wanted. The first time this occurred we received no email or notifications that were being billed {$50.00} a month and only learned of it when we reviewed our account while preparing XXXX taxes. We requested and received a full refund and stated that we did not want to use this service and never signed up for it. On XX/XX/XXXX we received an email for {$95.00} for Square Email Marketing. At no time did we ever request, try or sign up for this service. Further investigation found we were billed {$910.00} between XX/XX/XXXX and XXXX, XXXX for this unwanted, not requested feature. I called customer service that morning and immediately got the run around. They initially offered us {$150.00} to settle the matter and I refused. This negotiation went on for XXXX hours with Square finally offering us {$1000.00} in free processing ( {$32.00} value ) for 6 months and {$150.00} refund. I searched our email and this is the first email we received despite being billed for this service for several months. I have still not received the refund and want to see Square held accountable for these predatory and illegal business practices as I am sure we are not their only victims. 
Further checking found that this was occurring with a second business account for at total of {$1800.00} in stolen funds. And Square, when you read this, I dont want your garbage add ons so stop charging me for it. Square case XXXX On XX/XX/XXXX, I learned that all but {$380.00} has been refunded to our accounts.
Product: Debt collection

On Saturday XX/XX/XXXX I purchased a sofa from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX for the amount of {$760.00}. It should be noted that XXXX XXXX XXXX is owned/operated by XXXX XXXX, XXXX. When I purchased the sofa the sales associate charged the purchase to my personal XXXX XXXX  Visa credit card and the sofa was later delivered to my house. I did not open an account with XXXX and I did not finance this sofa. The sofa was paid in full on my own XXXX XXXX  Visa credit card on an account I have had for years. I have the signed credit card receipt as well as a bank statement showing I was charged and completely paid for this sofa. A year and eight months later on Monday, XX/XX/XXXX, I received a notice in the mail dated XX/XX/XXXX from a " collections agency '' stating that I owe Stoneledge Furniture {$760.00}. This collections agency is Merchants Credit Adjusters , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the course of a year and eight months I was never contact by the XXXX XXXX XXXX in XXXX nor XXXX XXXX XXXX. If they had contacted me I would have provided documents demonstrating that the sofa was paid in full. I believe this is fraud on the part of either XXXX XXXX, XXXX XXXX, or Merchants Credit Adjusters to have me pay twice for an item that was already previously charged to my credit card and already paid in full. I argue that somewhere along the line either through an employee at the XXXX XXXX XXXX XXXX or at Merchants Credit Adjusters , Inc that my information was falsely used and they are trying to defraud me for an extra {$760.00}.
Product: Money transfer, virtual currency, or money service

I have a sum of {$350.00} unavailbled to me because my account is " restricted '' by coinbase. This means I can not move funds into or out of coinbase. 

After repeated inquiries : 1 ) XX/XX/XXXX, that my account was restricted. With a response on XX/XX/XXXX : " Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' 2 ) Recieved a response on XX/XX/XXXX : " Ive just checked your account and can confirm that your request has been properly escalated. '' 3 ) Recieved no respond to my inquery on XX/XX/XXXX asking for an ETA. 

4 ) Called in today to be told it was escalated ( for the second time ) on XX/XX/XXXX. I have little faith it will change anything.
Product: Debt collection

I have been disputing these items with these companies for almost a year! I provided police reports and asked for validation of debt ( signed contract ect. ) and they have YET to provide that but keep saying its on me! My identity was stolen! And Ive have proved them with everything I can KEEP disputing and they keep denying my claims. 

Some company called XXXX SOLD the debit they say belongs to me in the amount of XXXX I NEVER HAD THIS ACCOUNT and they REFUSE to remove this from my report and have YET to provide proof or debit BECAUSE THERE ISNT ANY! They just want to have someone to keep debt connected too! This needs to be removed it XXXX me XXXX XXXX XXXX!
Product: Checking or savings account

I opened a checking and savings account through Citibank on XX/XX/2018. There was a promotion for {$400.00} after {$15000.00} is deposited. I completed the deposits but never received the opening bonus. I contacted Citibank on 3 separate occasions to have this resolved. I received a message stating that because I had previously opened an account I was not eligible for this bonus. This is incorrect. I have a letter from Citibank regarding the account they claimed was opened never got past the application process because they didn't receive the " required documents ''.
Product: Mortgage

Got call from quicken loans stating that they could redo my current loan on a condo I own which they currently service the loan. They tried to charge me an amount of XXXX in closing cost on a XXXX loan. I told them I had no interest in that loan but would like to check on a getting qualified for a loan for I was planning to sell my existing house which I owe XXXX and has value of XXXX. I also have three other houses with only loan on one which is with quicken loans. I asked quicken to see what I would qualify for on a new house. I gave no value for the new house. They pull credit with two scores over XXXX and one in the XXXX 's. I also supplied an account with over XXXX as well as tax returns. I was told my income was zero and I qualified for no loan. They did not bother to look at the returns to see what my income was. I was told I " have a lot going on ''. I feel they did not want to take the time to review my application. They accused me of fixing my W2 's and said that income could not be counted. My accountant called to confirm that it was correct. I easily got loan from XXXX bank with same information with no problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Experian credit bureau. I noticed a inaccurate public record on my credit report. So I sent my first dispute letter to experian asking for validation of this public record. This was on XX/XX/XXXX. Experian response was it was verified and not validated. I sent a second letter XX/XX/XXXX Stating that according to the FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. Also asking for documents bearing my signature. Experian respond with another verification saying its from a third party, but not validating anything or sending any proof. To make a long story short I send more letters on XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX. I also send a letter to the CEO of experian on XX/XX/XXXX.  Experian failed to provide documents bearing my signature, they completely ignored federal law section 623 ( a ) ( 5 ). They have yet to validated this public record of a bankruptcy on my credit report. I also sent them a letter from XXXX stating that they have remove the bankruptcy from there file and they could not validate the said information on my report. This is my complaint against Experian reporting agency.
Product: Checking or savings account

The pathological lairs at Webster Bank are not only a bunch of crooks but arrogant, rude, evasive and a bunch of thugs as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following " hard inquiries '' are being reported by all three credit bureaus ; ie, Equifax, XXXX, and XXXX. I did not authorize these inquiries. I have disputed this information directly with the credit bureaus and the requesting companies, and I have not received any acknowledgment of my complaint or any response whatsoever. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

Bank of America without written notice begin charging my savings account a monthly maintenance fee of XXXX per month for being below the minimum threshold of {$500.00}. 
I have never paid this fee in the years prior to having this account when the balance many times dropped below {$500.00}. I received no notice of a change of account terms and a {$500.00} minimum balance amount was never a feature of this account. 

I as a consumer would like a refund for the XXXX months since XX/XX/2021 I was charged the fee totaling {$64.00} I have since closed the account in question with Bank of America.
Product: Debt collection

I'm not responsible for this account. I don't even have a contract with this. I have already contested this account, and you have not shown any evidence that it belongs to me. This is not my work. This is deceptive and could hurt my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA 605B ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 

My information was apart of the XXXX data breach there are accounts, name, addresses, and inquiries that I did authorize.
Product: Student loan

Mohela put my account in administrative forbearance. I was not told why. I called multiple times and received conflicting information. I am enrolled in the pslf program. I was told that mohela would place my account back in repayment before my due date. I called on my due date and my account was still in forbearance. I was told by the rep that if i wanted the month of XXXX to count towards pslf that i needed to make a payment that day. I made a full payment that day. Now my account says it's in repayment with a {$0.00} amount due in XXXX. I made a {$630.00} payment in XXXX which was used to pay the interest only. The payment i made also did not count towards my pslf count.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is currently showing two late payments on XXXX one for XX/XX/XXXX which I explained to XXXX XXXX XXXX that I did not receive my card in the mail at that time and it shouldn't be reporting as past due and XX/XX/XXXX which I explained that I was affected by Covid 19 and this should be Covid  protected. XXXX is showing one late payment for XX/XX/XXXX which should be Covid Protected and Experian is showing XX/XX/XXXX which should be Covid Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of 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 1637 ( b ) of this title is mailed and delivered to the consumer not later than 21 days before payments due date.
Product: Credit reporting or other personal consumer reports

There are multiple mistakes on my credit report that I would like you to investigate and remove as soon as possible. 

XXXX XXXX {$6700.00} XXXX XXXX XXXXXXXX {$24000.00} XXXX XXXX {$7500.00} XXXX XXXX {$7100.00} The XXXX cards above I used to be an authorized user on. But hold no responsibility to pay these cards. I have already notified the bank and they have agreed to remove me as an authorized user. I just need the credit reporting agencies to also remove me, I am not a authorize user on any of these cards anymore, please remove them as soon as possible XXXX XXXX  {$5800.00} Apple Card {$4300.00} XXXX XXXX {$4900.00} XXXX XXXX. XXXX {$1200.00} All XXXX of these accounts were open fraudulently. I've reported them to the banks, but they choose not to do anything. At this point, they have charged off the accounts which I have to claim with the IRS as income. And if you check with your legal department, you'll know that it's against federal law to list income on my credit report, feel free to check with the banks. All XXXX of the cards have been written off which I then claimed does income on my federal taxes. Please remove the as soon as possible. If you're uncertain again, I would ask that you forward this onto your legal department. 

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX The inquiries above were all done fraudulently I have contacted each bank and they all confirmed that the information was slightly different and that the inquiry was fraudulent and they've removed it from their records, but they say it's up to the reporting agencies to do the same thing. So I don't know exactly what you need to do, but feel free to contact these banks. They will confirm that these were fraudulent inquiries, and I would like them all to be removed as quickly as possible, thank you I only have two names XXXX XXXX XXXX XXXX XXXX All other names are fraudulent and are not me. Please remove them.
Product: Debt collection

The following account is not my account and I have no knowledge of this account or the primary company they say to be collecting on behalf of. I have called and tried to verify the debt by phone and mail and have gone more than 30 days without a response. Please have XXXX XXXX XXXX XXXX removed and permanently deleted as I have no knowledge or responsibility for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am sick and tired of going back and forth with you about a bankruptcy reporting on my credit file. I received a response from you from the same issue which you failed to respond within the 30 day time-frame back in   XXXX   XXXX    . Complaint #  XXXX  has stated that TransUnion was requested to verify the information concerning this bankruptcy. If fact, this was their last response. " TransUnion has verified that the bankruptcy information reported in your credit report accurately reflects the public record of the United States  Federal Bankruptcy Court,  and is currently reported on your credit report as permitted by federal law. '' I looked into this issue even further. I actually had a conversation with a court repre  sentative. I asked him, " How is it that TransUnion or a Third Party able to " verify '' that the court information is actually mine? '' He said on the original petition there is a full social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case.
I then decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it i  mmediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation! 
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

Contacted cash app numerous times for issue with no assistance in understanding or resolving the missing XXXX from my direct deposit on XXXX XXXX from XXXX. My job direct deposited my pay. Cash app after my call to them states they took the funds after a technical error that was not reported to me, or on the website. Nobody knows of this error, I cant see the transactions as the agent states to me, on my app, or on my monthly statements, as it isnt something that they can correct? No notification or communication, just took XXXX after these transactions were paid to the company, someone changed the amounts, and months later take my funds I desperately needed to move.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX failed to Cease and Desist upon validation of the debt resulting in the foreclosure sale of my property on XX/XX/XXXX located at XXXX XXXX XXXX XXXX. XXXX, Washington XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX dba XXXX XXXX XXXX CALIBER HOME LOANS have failed to provide proper validation of debt and have multiple loan numbers attached to this alleged debt recorded in XXXX XXXX and attached to my credit report. 
XX/XX/XXXX I purchased my home XX/XX/XXXX I refinanced my home During the refinancing of my Home Caliber Home Loans recorded a Deed of Trust on XX/XX/XXXX under loan numberxxxxxxxxxxxx Document number XXXX XX/XX/XXXX Caliber Home Loans recorded a Deed of Trust under loan number xxxxxxxxxxxx.Document Number XXXX. 
These discrepancies were discovered in XX/XX/XXXX in my complaint to the CFPB after Caliber Home Loans failed to apply my payment to my loan under the loan number XXXX. I have been disputing the Fraud in my loan since XX/XX/XXXX. 
After disputing the and sending in documents to CALIBER HOME LOANS INC, they decided to sell my loan to XXXX XXXX XXXX I have since continued to dispute any and all claims to XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. 
This is some kind of FRAUD OR RACKATEERING since all of XXXX XXXX is the legal owner of CALIBER HOME LOANS INC, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all have a security interest in XXXX XXXX filed in the state of XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a UCC-1 filed on XX/XX/XXXX under File Number XXXX and again on XX/XX/XXXX under file number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquiries on my Transunion credit report that I did not authorize. First from XXXX on XX/XX/XXXX. The second from XXXX on XX/XX/XXXX. Third from XXXX on XX/XX/XXXX. The fourth is also from XXXX on the date of XX/XX/XXXX. I did not authorize these inquiries and do not know what they would be for. I have sent letters to these companies to get them removed but have gotten no response.
Product: Credit reporting or other personal consumer reports

I became aware of several fraudulent accounts appearing on my credit reports, which I did not open or authorize. These accounts, including auto loans, credit cards, rental charges, and collections, were established using my identity without my consent. 

I promptly reported the identity theft to the Federal Trade Commission ( FTC ) and have filed identity theft reports with both the FTC and relevant law enforcement agencies. The fraudulent activity includes the following types of accounts : Fraudulent auto loans reported since XX/XX/XXXX Fraudulent rental charges reported since XX/XX/XXXX Fraudulent credit card accounts opened between XXXX and XXXX Incorrect collection accounts reported as unpaid Despite multiple disputes with the credit reporting agencies, including requests for removal and verification, the accounts remain on my report. These inaccuracies have continued to harm my credit and financial standing. 

I am seeking an immediate investigation, validation, and removal of these fraudulent accounts under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to ensure my credit report accurately reflects my financial activity.
Product: Vehicle loan or lease

My spouse and I purchased a vehicle from XXXX XXXX in XXXX Virginia on XX/XX/XXXX on a XXXX XXXX XXXX. Since this time we have never had a late payment nor had an issues with accessing our loan information. Our Loan was with Flagship Acceptance. https : //www.flagshipcredit.com/. In the past few months Flagship has changed their website and customer porthole to where I can no longer access payment history. I have been taken off of auto payment which I never had an issue with before and can not set up auto payment unless they send me a form and you can only request one form at a time in a 30 day period. With that being said they charge {$4.00} per transaction in making a payment to your account. When I called the customer service line I was informed they are international and the conversation became a communication barrier so therefore I wasn't sure what the representative was saying the only thing I could get out of it was that she was international and she was not subject to the same rules and guidelines not real sure what that meant either. I requested my payment history and now have to wait for it in the meantime I have to pay this charge to make a payment that I never had before and pay this very high interest rate of 17.32 %. Upon further research I was looking in my paperwork that I do have and the address for Flagship Credit Acceptance is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX rest assured that is not what you will get when you call customer service.
Product: Debt collection

Company is trying to collect a debt a I did not create. I do not recognize this debt nor do I recognize this company.