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

I have used Square for my hair cutting services for years and have my own account with them. I recently received a notification from the IRS that Inhad 2 Square accounts. I know I only opened the one. Upon trying to get ahold of them, which you can only do so with chat, I told them about my situation and was told someone would be in touch with me. This was in XXXX. No one did. I did the chat again. They wouldnt give me info and then upon getting angry, I found out, an ex of mine has been using my info. I have his 1099ks in my name now. I can prove that he has his business and where that money is going. However, I found out he has taken a loan through square in my name, WITHOUT MY KNOWLEDGE, and every single time I try to get to the loan dept I am hung up on. I do not k ow the amount of this loan. And all I am told through the tax department is they will not change the 1099ks as long as there is a loan out. I had nothing to do with the making of this square account nor this loan and I can not get anyone to help me. I have filed a police report and I have filed fraud thru the IRS. I still can not get a person to talk on the phone with square to help me. My ex refuses to help me. He got the money from this loan that I never knew nor signed for. All this money went to an account in his name with a business in HIS NAME! And no one from this company will help me! The IRS wants almost XXXX from taxes on money I never made from these 1099ks that I just learned about! 
I have even contacted square through XXXX on your side and still have not heard anything, a have reference numbers from calling and then the last time I called was XX/XX/24 and I have been calling about this since XXXX last year and still have no answer! 
This loan is not being paid by him because Inhad to stop him from using this account so I am not responsible for more income! They are completely responsible for this loan as it was not me that took out this loan. Nor is it my own square account. I cant do my taxes because of these 1099ks.

I dont have any info on the loan except there is one and it was being paid per transaction and that XXXX needed to be paid still. 
Everything goes to his phone number so I have to go through him. He does not cooperate. In the account it will show what the business is and that the bank account is HIS! I was able to change the email on the phone but i cant get in because the phone number is his! And all the codes go to him!
Product: Debt collection

I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX & XXXX XXXX You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be XXXX high balance and same date on this account. This account has not been properly verified. PLEASE DELETE the following account immediately for failing to comply with FCRA. XXXX & XXXX XXXX THANK YOU FOR YOU TIME This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX & XXXX XXXX immediately thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account reporting wrongfully as a re-aged account on XXXX and Equifax bureaus.I have disputed multiple times and provided sufficient proof for the bureaus to act unilaterally.The account is XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX.XXXX DELETED UPON PROOF OF RE-AGING.

If XXXX AND EQUIFAX READ THE CFPB COMPLAINT AGAINST XXXX XXXX attached here, along with the other proof ... ..

they should be able to delete the account without any further lies from their subscriber.
Product: Debt collection

Sunday XX/XX/XXXX, portfolio recovery ( XXXX ) left XXXX harassing voice messages while someone is attacking my internet. They called at XXXX left a XXXX sec message. They called twice at XXXX leaving a XXXX sec message. They called at XXXX leaving a XXXX sec message. They called at XXXX leaving a XXXX second message. The debt is from multi million dollar company XXXX XXXX. The debt is over 10 years old. Im unemployed and cant pay them. Im getting attacked by someone online and keep complaining to the fbi while Im being ignored. I cant even get a job to pay for my XXXX XXXX dollar XXXX XXXX 

I have XXXX  and portfolio recovery needs to back off. XXXX call is sufficient enough.
Product: Credit reporting

I received my credit reports from the XXXX major agencies and on XXXX of them there are XXXX tickets totaling {$650.00} both issued in XX/XX/XXXX. I have never received any tickets during that time that I did not pay and I requested proof that they belonged to my car. The XXXX XXXX XXXX sent me XXXX pictures showing a car that was not mines. I wrote them and stated that I own a XXXX XXXX XXXX with the license plate number and requested that they remove this from my credit. They responded that the car in question was registered to me. I have never registered another car in my name other than the XXXX XXXX. They have refused to remove this from my credit and refuse to investigate the matter as they turned it over to a collection agency. 
The collection agency will not remove it because the originator refuses to correct the error on their end. 
This has to be illegal. No one is willing to prove that I do not own such a car and have never owned said car.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eleventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX Balance {$8000.00}.
Product: Credit reporting or other personal consumer reports

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  Dear Sir/Madam, I am writing to dispute the information regarding a late payment on my credit report for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I received a response indicating that the late payment was verified, but I have not received any written proof of this verification as requested, nor was I informed of the method used for verification. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to a reinvestigation of my dispute, and I request that you provide me with the following : 1. **Written Proof of Verification** : Please provide copies of the documentation that was used to verify the late payment information.

2. **Method of Verification** : Please describe the method used to verify the disputed information and provide the contact information for the entity that verified the information. 

Without proper documentation and explanation, the disputed late payment can not be considered verified under the FCRA. Please either provide the requested documentation and details of the verification method within 30 days, or remove the late payment from my credit report. 

If this issue is not resolved to my satisfaction, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action to enforce my rights under the FCRA. 

Please confirm receipt of this letter and provide a timely response. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was having issues paying and I advised them multiple times and they would not help then when I defaulted they closed the account and I lost my loan amount and am now having to pay it back in full.
Product: Bank account or service

M & T bank has the worse communication, and customer service I have ever experienced! I have the response they sent the CFPB, and it states false statements about what I said when I called to file my dispute. I never said the person behind me saw my pin and took money out! I stated that my coworker stole my debit card, and has seen my pin before because I use the same pin for all my cards! M & T denied my claim, on a determination they made themselves and it was false, because I never said that! I want them to replay me that recorded conversation I had with their XXXX representative, and you will see if clearly state my coworker stole my debit! I have copies of all the messages and paper work I have sent them! This is crazy already, and this bank just does n't care, and make false statements too.
Product: Credit card or prepaid card

RE : Adverse Action Dear CITIBANK Account number : XXXX I, the consumer and natural person, was denied credit my Account was closed without my consent by CITIBANK After I applied for a XXXX XXXX CITIBANK CREDIT CARD.Adverse action against a Consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by CITIBANK due to the response I received.CITIBANK is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued.Furthermore because my social security number, CITIBANK XXXX XXXXXXXX CREDIT CARD was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CITIBANK.If CITIBANK fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit I will indeed make CITIBANK criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 
Thank you, XXXX XXXX XXXX / Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit card

My credit limit on my US bank credit card was significantly reduced very abruptly I have heard they can do this without peoples knowledge but I clearly feel this is very unnecessary and inappropriate considering I was always on time for years with all my payments except 1or 2 times I paid slightly over the due date and instantly they reduced me all the way down to where it looked as tho I had maxed out my card affecting my score and hindering all the hard work I had built on my credit score I had reached out to Us bank several times asking them to reverse this they said I had to request a credit limit increase which would also add an inquiry this is not a fair practice I warned them if they did not accommodate my request fairly soon I would be closing my other accounts with them I had had for several years as well as rating them very poorly and never returning
Product: Money transfer, virtual currency, or money service

I created a new coinbase account on XX/XX/XXXX for business purposes, verified my ID, and now my personal XXXX account where several thousand dollars are held wont let me login. When trying to login to XXXX, it gives this message : Attention required! Trading functionality has been temporarily suspended on your XXXX account. In order to restore trading functionality, please contact XXXX I emailed XXXX on XX/XX/XXXX and received this reply : " In an effort to more quickly respond to requests, directly emailing XXXX is no longer enabled. 

To get a response from our support team, please visit the following page and complete the request form : https : //support.coinbase.com/customer/portal/emails/new '' I opened a ticket at the support website on XX/XX/XXXX and have n't received any resolution.. 

I emailed XXXX explaining everything above, on XX/XX/XXXX. Still no resolution.
Product: Credit reporting or other personal consumer reports

My account with XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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.

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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

My son passed away XX/XX/2024 suddenly. He had no money, will, estate or property. We provided Honda with a death certificate immediately asking for them to pick up his car. They sent an email back requesting me, his mother to fill out a 4 page form making me responsible for the car. I refused. Then they sent me a letter offering some options to pay off the car, transfer the car or drop it off at a Honda dealership. I explained to them that the car is stick and I can not drive it. They said they would get it picked up. The next day I started receiving phone calls. The unsympathetic person on the phone wanted all my information, which I was not giving her. Her response to this was to tell his grieving mother that they were going to contact us, every day, until you obtain all MY information. I am not their customers. The signatures on the documents signed for the loan were XXXX XXXX signature, no co-signer. I went to the dealership where he bought the car last weekend to try and get help. I was assured by the manager he would get back to me Monday, nothing. I contacted him this Thursday and he said he'd call me later that day, nothing. Honda is now contacting my daughters for their personal information. We are requesting, in accordance with Federal and NJ law, for help with getting them to pick up his car and stop harassing us. Every time they call us, it reminds us that my beloved son, and their brother, is NO LONGER HERE. The car is at the address listed on his loan. Ready and able to be picked up by the loan holder. I'd appreciate any help you can give me with this unbelievably unsympathetic company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thiis installment loan was for the purchase of an HVAC in XXXX. My wife and I are borrower and coborrower on the account. In XXXX she alone filed for bankruptcy and the statements were no longer sent to her. Instead of send them to me as the coborrower they did not send any at all. They have put a 90 day late/charge off on the account, though they listed 30 day late in XXXX, no data on the credit report for XXXX. Theyve listed the account as charged off, but we have a letter stating the account is paid in full and they agreed to settle. The credit report also states the original balance was {$14000.00} and written off was {$14000.00}, but again we have a letter stating the account was paid in full..so there is no charge off. We also have payment history and receipt of the final payment of {$7000.00} on XXXX XXXX. So, clearly the information is incorrect. They did not report this payment, and just reported this account as closed. We have disputed this several times, but it has yet to be corrected. We need the charge off to be removed completely from this account.
Product: Mortgage

My concern is i did a modification with my mortgage company and was never told about the HUD there would be a certain amount that would have to be repaid back to them if i every sold the house. Bank of America never explained n don't recall signing any papers but i have a lien on my house through hud. Please help n explain this modification n if  and what do i do moving forward if i ever decided to sell my home
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX Balance Owed : {$16000.00}
Product: Prepaid card

I made a {$90.00} purchase on XXXX on XX/XX/2024 from the XXXX XXXX XXXX, the merchant sent me a messaged XXXX days later stating due to advertising error they will not be shipping my purchase. I contact Paypal Netspend to file a chargeback. XXXX months later dispute finally closed finding in favor of the merchant even after providing proof they haven't shipped my purchase and have no intention of doing so. Paypal Netspend tells me my claim is denied because there was no error made during the transaction. What about buyer protection against fraud? They told me sorry about my luck and contact the merchant. I contact XXXX they told me the money is frozen by the chargeback otherwise they would refund me. I'm out {$90.00} with no explanation as to why. Other than Paypal Netspend probably kept the money from the chargeback and denied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. The breach was originally discovered on XX/XX/XXXX. The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. Equifax did not disclose if PIN numbers and other sensitive information was compromised as well, nor did it explain its delay in reporting the breach ( which it discovered in XX/XX/XXXX ) to the public. It was furthermore revealed that three Equifax executives had sold their company shares before the incident was made public.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I have discovered accounts that were opened without my consent. After a thorough investigation, I have discovered that these accounts are fraudulent. The accounts are XXXX XXXX XXXX with account number XXXX, XXXX with account number XXXX, and fraudulent hard inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX |
Product: Debt collection

I, just today, realized that LVNV Funding is reporting the wrong amount as a negative on my credit report. I was initially contacted by their affiliate ( Resurgence ) demanding {$1700.00}. They fraudulently and falsely claim to the credit bureaus an inflated amount of $ XXXX. This harms my credit and makes it look worse than reality. 

I have no agreement with LVNV funding, whatsoever, let alone XXXX that allows them to charge me in addition to what XXXX XXXX  believes that I owe them. Thus, LVNV Funding CAN NOT claim to credit bureaus that I owe anything over {$1700.00}. 

In addition, the " debt '' is so old that they should not be reporting it at all anymore. This, too, harms my credit and causes me a great deal of damages. I am paying far too much for my car loan and for my credit cards now, as a result. LVNV is the ONLY negative on my report according to XXXX XXXX / XXXX XXXX. Thus, there is no one else to blame for higher interest rates and denied applications.
Product: Checking or savings account

I opened an account with Bank Of America with a promise that my account would be free, as a student. After furnishing the required information, the bank charged me a maintenance fee. 

I mentioned the fee to a teller who was unwilling to help. I then asked to withdraw my funds and the teller refused.
Product: Mortgage

Bayview loan servicing took over my mortgage i had with XXXX since XXXX. It has been nothing but misery since they took over. I was behind 4 payments but I have paid all of them and I have my bank statement to prove bayview took the money out of my checking account. They are saying i am {$3700.00} past due, my recent payment they told me to pay to get my loan current was {$1700.00} and I paid this on XX/XX/XXXX. Bayview is saying none of the payments have been paid even though I talked to them over the phone. And I don't appreciate them charging me to ( inspect ) my for {$11.00}. They left two notes on my door telling me to contact them after I made the first two payments. Which they are lying just to come to my home. I don't appreciate them saying I haven't made any payments when my checking account will show they took out all the payments that they required for me to get the loan current. They are not going to foreclose on my own by being deceitful and dishonest about not applying my payments to my mortgage account. The employees at bayview are very rude and unprofessional well this is how people who are trying to steal from you act like. From all the complaints I read about them on their better business bureau record. Bayview isn't going to get away with being deceitful trying to take away from my home. And they are falsely reporting on my credit files that I am 60-89 days past due and my last payment was back on XX/XX/XXXX. A bayview employee got an attitude with me when i told them i made the payments. Yes i am very angry and I have a right to be angry with bayview trying to steal from me and being down right deceitful. And sending someone to my home twice after I have paid payments and lying saying they have been trying to reach me even though I have talked with them.