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

Square deactivated my account providing no reasoning and is now holding tens of thousands of dollars from my small business for several months.

I opened an account with Square on XX/XX/22. I spent several hours setting up the account, verified my bank account, and began using it to process invoice payments for my customers. 

On XX/XX/22 I received a notice from Square stating my Deposits were Suspended and while they would still allow customers to pay the outstanding and new invoices they wouldnt be depositing the funds to my bank account. The email instructed me to go into my Square Dashboard and complete an account confirmation form but there was no form available on my dashboard. A few days later I received another notification email but still there was no form available to complete. 

On XX/XX/22, I reached out to the Square support team to ask how I could complete the form per the emailed instructions that were inaccurate. The representative asked me to send the form responses directly to her via email. I sent her the responses to the questions. I didnt hear anything back for a week ( XX/XX/22 ) so I emailed the representative who responded 4 days later ( XX/XX/22 ) and asked me to complete the form a second time, so I did. 

All this time I was invoicing customers and receiving payments to my Square account but they werent being deposited to my bank account. I thought it would be okay, because surely there was some misunderstanding that would be cleared up with the responses I provided in their form. 

On XX/XX/22, I received a template email stating that my account had been deactivated but was provided no explanation for why the decision was made. Whats worse, the email said that the funds in my account would not be released to me for 90 days. To this point I had received tens of thousands of dollars in my Square account from my customers and now Square will be holding those funds for 3 months from my small business that is dependent on cash flows.

I followed up with Square support multiple times but no one has been able to provide any explanation for why the account was deactivated. They simply provide a generic response : After a comprehensive review of your account, we have determined that we are still unable to process payments for your business. Our decision to deactivate your account is final. 

If they had an issue with the responses I submitted to the form, why didnt ask the form questions that led to my account being deactivated when I was signed up for my account in the first place? That would have saved me from ever having to go through this. Im also baffled at how they can hold money from a small business without providing any explanation as to why.
Product: Debt collection

On multiple occasions and from multiple different numbers I have been called in regards to a debt of someone named XXXX XXXX XXXX XXXX XXXX. Each time I answer the phone calls, they are either automated, or will immediately hang up upon reaching a representative after I explain I am not the debtor with no further assistance or even removal of my name from the call lists. 

I have attempted to block calls only for them to repeatedly switch numbers or go through different agencies to resolve the debt while paying little regard to the fact that I am not the one who owes the debt, and have requested to be taken off the caller list on multiple occasions. 

These calls have been occurring all the way back from when I originally had my number changed in XXXX of last year. They are highly ambiguous, often only asking if I'm XXXX only to hang up after learning I'm not, and call nearly every single day, though it may just be around five days a week if we are being modest. 

It has come to the point where I'm at my wits end, I've missed appointments, important phone calls from the state, interview callbacks, and has overall made my phone-number unusable outside of known callers.
Product: Credit reporting 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 Account # : XXXXXXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX Bankruptcy 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: Consumer Loan

Was a XXXX wireless customer for 10 plus years and worked for a company that received a discount. XXXX renewed my contract with the purchase of XXXX smart phones of which one was returned. I retired from the company a few months later to which XXXX took away the discount. I told them that they voided my contract so I was under no obligation to fulfill theirs. I paid them the amount I owed them for there service but refused to pay for a early disconnect fee. XXXX has sold my account to CBE which is now calling me on my home phone XXXX a day and is now calling me on my cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent a notice today by Experian that my credit FICO score decreased by 4 points and not telling me why?. This is now the second time this has happened and all my credit card bills have been paid on time with no delays. Experian 's reporting is affecting my FICO score to decrease and I want this to be investigated by the CFPB.
Product: Credit reporting or other personal consumer reports

Ive been contact experian, XXXX and Equifax about these XXXX accounts for over XXXX months will no help, no real responses and no accurate information. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ), and they have no be honest or helpful. This affects my life and all I get is computer responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX which is with Wells Fargo originally. It is with XXXX XXXX now I paid in full XX/XX/XXXX. It is for XXXX I would like the pay status to be updated to paid off in full. I called wellsfargo on XXXX XXXX  2017 they said to call XXXX XXXX to do it. XXXX XXXX said the opposite that we 'll fargos has to update it because they were the original lender.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ma XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I did a failure XXXX XXXX at XXXX XXXX in XXXX with XXXX XXXX XXXX ( XXXX ) I told XXXX that all my planted grafts came out and I need my money back but he advised me thats normal and I have to wait 2 months to see the result. 
So I called my bank ( chase ) to dispute this charge but I still didnt get the full amount of the refund. 
My hair looks very bad and ugly and I cant get out from my home without covering my hair. 
So please I need the full amount of the refund {$2100.00} I order to do another hair Transplant to fix my hair.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX202I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account type : Collection, Account name : I C SYSTEM INC, Account number : 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 an account without my written instructions.
Product: Debt collection

( 1 ) AFTER REPEATED REQUESTS FOR PROOF and RECEIVING NONE, charges ( not made by us ) are not being removed from our Target account, and ( 2 ) Negative credit notices ( from Target ) are not being removed from our credit reports. 

History : a. We paid off our Target account and quit using the XXXX credit card ( acct ending in XXXX ) in XXXX XXXX. 

b. We received a notice fromXX/XX/XXXX that a negative entry was posted against our credit report by Target. According to Target, a {$55.00} charge made on XXXX XXXX XXXX and it was overdue. 

c. We contacted Target customer service and were informed of the following : 1. Charges were made on our account on XXXX XXXX XXXX, and 2. Unbeknownst to us, our account profile had been changed such that Target would NEITHER send invoices to us via US Postal Service NOR send invoices via email. As a result of these settings, WE HAD NO NOTICE earlier than the XXXX note from XXXX that anything suspicious had gone on with our Target account. 
3. We were told that the matter would be investigated and evidence of who used the credit card would be provided. NO SUCH EVIDENCE HAS EVER BEEN PROVIDED. 

d. Since XXXX, 1. We have been notified repeatedly by Target that late charges have been added to the amount due, and 2. We have repeatedly contacted Target customer service, the Targets Fraud Dept and Targets Collections Dept to only be told that the matter would be investigated and that evidence of who used the credit card would be provided. NO SUCH EVIDENCE HAS EVER BEEN PROVIDED. Dates we contacted Target : XXXX, XXXX, XXXX. 

e. On XXXX XXXX XXXX, a representative in the Target Fraud Dept ( by the name of XXXX ) told us 1. that no one but my wife and I could have used charged items against the account, 2. that she was NOT GOING TO PROVIDE EVIDENCE, and 3. that we were going to be held liable for the charges.
Product: Payday loan, title loan, personal loan, or advance loan

Dear CFPB i am writing to submit a complaint about Rocket Loans, a predatory loan company that did not perform an investigation regarding a dispute for late payment at my request. Monthly installment due is {$1500.00}. In XXXX a check was sent for {$1500.00} ; unbeknownst to me a {$15.00} late fee had been added, so I was not made aware of this {$15.00} balance. I did not become aware until some Communication that I owed {$40.00} more. Becoming aware of this, a check was sent in XXXX for {$1500.00} to cover the new installment due as well as all the encumbrance and unfair/uncommunicated fees that were added. At the end of XXXX the account was reported as 30 days past due/delinquent in the amount of {$15.00}. I called and spoke with RocketLoans in early XXXX and spoke with a representative named XXXX who advised of an investigation that would take place as account should be paid in full. XXXX could not confirm receipt of the check mailed out and stated an investigation would take place. The check should have arrived by the due date of XX/XX/year> but since it hadnt arrived I was told the company reported the account as 30 days late/delinquent.

How can a company add a late fee to my account without my knowledge/awareness and then report said late fee as 30 days delinquent???

I had a copy of the check that was sent and disputed the late reporting, and asked for the delinquency to be removed as it was inaccurate and unfair reporting. I was told I would receive a call back from a team leader/supervisor in 1-2 business days. I spoke with a nice gentleman three days later who advised nothing could be done about the lost check ; and I did not receive evidence of any investigation being done. At that point I assumed the check was lost as over 14 days had passed from when it should have been received. So I authorized an ACH payment over the phone of the XXXX or so dollars. 

1. Rocket Loans failed to conduct an investigation into the lost check.

2. Rocket Loans failed to resolve the dispute at my request.

3. Rocket Loans inaccurately reported my account as delinquent based on a sneaky late fee even after being paid in full.

3. Rocket Loans reporting my account as 30 days delinquent dropped my credit score by XXXX points which is completely unfair to me as the consumer.

I would like a full investigation to be performed as under the law ; instead of basically being told theres nothing we can do, especially seeing that the account was not delinquent but rather some random late fee {$15.00}. These private lenders did not reach out to me directly when the payment was not received and did not initiate any communication to inform me personally of the {$15.00} discrepancy but rather opted to destroy my good credit. Please have this investigated as it does not meet the standards of fair consumer protection and confidence. Goodwill, trust and cooperation on behalf of a lender go a long way in maintaining trust
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, Greetings! 
I have a XXXX XXXX App from where I first got Email notification regarding my recent Hard Inquiries on XX/XX/2023 : Equifax - 4 Hard Inquiries and on XXXX - 1 Hard Inquiry. For this I called, Equifax and they advised me to get FTC Report, for that I went to XXXX XXXX Police Department and filed a complaint about these 5 Hard Inquiries which is absolutely a fraud activity on a single day ( XX/XX/2023 ). Upon inquiry, the Police Department, never provide any FTC Report and they were even unaware of it and this was the information initially provided by Equifax Representative when I called them on XX/XX/2023 ; however, the Police Department gave me the Complaint Number XXXX and asked me to call Credit Bureau and I called this morning ( XX/XX/2023 at XXXX XXXX ) to Equifax providing them with Police Complaint Number but they now saying to go online ( ftc.gov ) and print the submitted form and send us back along with the copy of my ID, SSN and a written letter. Meanwhile, I also received 1 Credit Card from the XXXXXXXX XXXX and its related to one of the fraud hard inquiry activity reported on Equifax which I never applied to.

I, therefore, request you to provide me a FTC Report which I can forward and have them disputed from both Credit Bureau Agency ( Equifax and XXXX ). Thanking You, Sincerely, XXXX XXXX
Product: Mortgage

I had already filed a complaint about these attorney 's when they filed for foreclosure last year. Once I filed the complaint, they quickly backtracked on the foreclosure when I alerted them to the fact that the whole reason for the issues was that XXXX   XXXX XXXX, and then XXXX, refused to deal with the fact that I had provided insurance documentation, XXXX just refused to process it even after provided it more than once and notified them another time or two that had provided it. This is all documented with the CFPB. 

Upon communicating with the attorneys, it seemed we were going to be able to resolve the issues, finally, I had been trying to resolve issues with XXXX for probably 7 or more years. I knew they would have issues getting documentation from XXXX and I at least had the impression we could reach a quick settlement so I spent the time, acted in good faith and provided them all the documentation and we discussed what the expectations where ... I actually thought we communicated very well and of course all communications are in writing so I'm sure that can be confirmed. I was never told there were any issues with the expectations and really quite the opposite. I was told a settlement was coming, I was told that for months and then promised by the new year but yet it never came. All that was sent was some kind of statement, no documentation on the calculations, just a XXXX balance backed by no other documentation. 

During this time a lot of harassment continued. Since they filed the foreclosure they destroyed my previously perfect credit but yet I asked repeatedly if they had done anything to restore it and never got a response which of course they did nothing. Basically the whole story is they did nothing except I guess try to cover their butts. Then I got notices that some other company took over servicing, then another notice that another company took over the ownership of the loan. When I questioned the attorneys I stated it seemed odd since we were supposed to be talking about a settlement, that I had cash to cover a settlement which they were told from the beginning so why all these changes to the loan? I think it's pretty obvious while telling me one thing, their actions and intentions were something else. Then they got another attorney involved which I'll file a separate complaint on dealing with her but all she wanted to do was waste more of my time re-writing what I had already presented to these attorneys and really could tell had zero desire to do anything reasonable, to act in good faith all things considered, most likely was just another part of covering the butt 's of really everyone involved. It's just really hard to believe that no one has really been able to say, 'oops, we messed up, here 's how we're going to fix it ' and at least try to be reasonable. 

The bottom line is all of these mortgage issues were supposed to have stopped, banks and the servicer 's and their attorney 's were supposed to cut all of this out. Huge agreements reached and settlements paid but if my account is any indication of things, absolutely nothing changed!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX, on XX/XX/2019, XXXX XXXX XXXX XXXX and on XX/XX/2019, BARCLAYS BANK DELAWARE add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

I used my debit card to purchase a casher 's check from Bank of America on XX/XX/XXXX and mailed the check to my property management company via USPS. Unfortunately the USPS lost my mail. I called the Bank of America on early XXXX, XXXX right after I found the check might be lost. But Bank of America told me they were not able to put a stop on a casher 's check. I have to wait for 90 days then file a claim. 

After 90 days, I went back to the Bank of America branch, they found the casher 's check was deposited by someone else on XX/XX/XXXX. They filed a fraud claim for me and issue me {$1500.00} credit back to my account on XX/XX/XXXX. 

However, on XX/XX/XXXX, I receive an letter from Bank of America said my claim was declined and they would reserve the {$1500.00} from my account on XX/XX/XXXX because I used my debit card and pin during the transaction. I think the investigation they did was regardless the cashier 's check fraud. I did use my debit card and pin to withdraw the {$1500.00} to purchase the cashier 's check. The issue is the casher 's  check was stolen and deposited by someone else. 

After I received the letter, I went to Bank of America branch again, explain this to them. The banker helped me to reopen the case and asked their fraud department to reconsider it. I was also told they would not withdraw the {$1500.00} credit from my account until final decision. 

Today XX/XX/XXXX, I found {$1500.00} was deducted from my account. I called Bank of America and was told they was not reopen my case yet. 

So far, they did not provide the name who deposited the check and which bank the check was deposited to. Only gave a copy of the deposited check. But no signature on the endorse area. 

Could you help on my case? Let me know if you need any other information. Thank you very much.
Product: Credit reporting or other personal consumer reports

Comenity Bank XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! 
Under Act 15 U.S.C. 1681 section 602 says " 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 an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a XXXX card account under an open and consumer credit plan as late for any purpose ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

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Product: Mortgage

This XX/XX/XXXX, my XX/XX/XXXX escrow analysis showed an escrow shortage. As a result, my mortgage company gave me two payment options : 1 ) pay it through an additional {$100.00} a month added to my monthly payment or 2 ) pay the entire shortage up front with a {$31.00} increase to my monthly payment. The second option confused me but I looked at it as a proactive preventive escrow shortage increase, so I thought okay. I too like to move proactively so I paid the escrow shortage in full but went a step further by taking the additional {$31.00} increase multiplied it by 12 and sent that in amount as well ( marked for escrow only ). This was done so that I could stay within my tight budget for the next year and continue paying what i was paying prior to my escrow review however, my mortgage company is still charging me the {$31.00} increase with my monthly payment. I've reached out multiple times asking them to make the adjustment to my monthly payment, but they said they can't make any changes after the analysis is done. I've talked to FHA, XXXX, HUD Counseling and, XXXX XXXX and all advised that my payment should be back to the amount prior to the escrow analysis since the shortage plus an additional payment was made. XX/XX/XXXX will be the third month paying this additional amount and still they have not made the adjustment. With the two escrow payments made plus the regular monthly payments my escrow will be funded with enough to pay all my insurance and taxes plus have the required two month federally mandated minimum left over.
Product: Credit reporting or other personal consumer reports

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