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

On XX/XX/2023, from my Square Bank account/merchant account I went onto the XXXX App and requested a check and/or debit of {$2100.00} to pay my lease at XXXX XXXX XXXX  ( please see the attached copy of the check ). Please note that Square Bank debited the funds from my account immediately. I forwarded the check for payment immediately via email XXXX. 

On the morning of XX/XX/2023, the assistant property manager came to me and said that they were unable to deposit the check via bank imaging. I immediately called Square and I was directed to XXXX in Square customer service after explaining the situation and emailing XXXX at XXXX a copy of the check. After approximately 90 minutes of my time on the phone with XXXX, she advised that she was escalating this matter to financial engineering to help resolve the issue. I explained that my rent would have a late fee that I would hold them liable for if it was not received by XX/XX/2023. XXXX told me that would get this matter resolved yesterday. At XXXX XXXX  I sent XXXX at Square an email and advised that I need the money credited back to my Square account and I would just initiate an ACH transfer. I never heard back from Square until I called again on XX/XX/2023 at XXXX XXXX  XXXX ( I will attach both emails ). 

This morning I was on the phone with XXXX at Square for 54 minutes explaining this matter once again. I told her that Square needed to deposit the money back into my account with the late fees their negligence had created for me. XXXX advised that once there was an escalation status they could not just terminate and credited the month back to my account. However, she then asked for permission to go into my XXXX app and she suggested that I cancel the check. I told her that Square was responsible for my late fees and she said that Square would not refund me. I asked to speak with her supervisor and she indicated that her supervisors would not help me. 

I am in the process of completing my XXXX  and a XXXX XXXX in XXXX XXXX XXXX XXXX ; however, I was an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for approximately 23 years and I have never seen more disregard for consumer welfare and unethical business behavior than what I have witnessed from Square. The reason that I used my banking app with Square was due to the fact that I tried to transfer funds to my normal checking account 5 times on XX/XX/2023, and Square was having technical difficulties and was unable to complete the transfers on that date. 

Square 's support telephone number is very difficult to locate and it takes too much time for a self-employed individual to resolve the matter. Their fees are very high for the inadequate service that they provide. I request the following from Square : - My late fees for my rent ( {$100.00} ), - My hourly normal fee is {$120.00} per hour and I now have 3 hours invested in trying to resolve their unethical conduct, and - The crediting of my funds ( {$2100.00} ) immediately back to my account. 

Thanks,
Product: Checking or savings account

On multiple occasions my account have missed direct deposits from my employer's.. have been frozen and when making purchases have been told there have been insufficient funds in my account and upon checking there was money in my account
Product: Credit reporting or other personal consumer reports

I recently applied for a car loan and was denied and i realize that i had accounts that was open NOT BE ME I called the companies and explain that i had no acknowledgement of such debt that they claimed I owe i asked for method of verification with my wet signature In blue ink none of these company could provide that information Please be aware that all negative remarks found on my credit report is a violation of ther FCRA and FDCRA when you can not furnish the validity of the remarks Please i ask XXXX AND XXXX AND TRANSUNION to please remove from my consumer report with in 5 business days Radius global Pro collect Credit bureau Credit management These company willing know that I asked for my signature and couldn't provide
Product: Credit reporting or other personal consumer reports

Ive receive several letters stating I have a XXXX checking account and I owe XXXX bank {$170.00}, but Ive never opened a XXXX account. The letters Im receiving are registered under my name and address, but XXXX should not have a copy of any of my information. These letters also threaten to send this account to collections.
Product: Credit card or prepaid card

wisely account put my money on hold for a transaction hold, but they never returned the money, I was sent a check for XXXX XXXX  but my balance was XXXX . Also I was not informed or emailed about the decision and now they won't tell me what happened to my money or my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX Account # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand listed below be removed because the accounts According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission these accounts.

to furnish 1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate XXXX XXXX XXXX XXXXXXXX Account Number : XXXX 3.Validate Account XXXX Account XXXX, XXXX Account XXXX Validate Account XXXX  Account XXXX XXXX. Validate Account XXXX XXXXXXXX Account XXXX Validate Account XXXX Account Number:XXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account XXXX Validate Account XXXX
Product: Debt collection

This company have never contacted me through written correspondence. They have place 2 accounts on my credit report regarding a debt that I do not owe. I was never provided any details as to the medical provider and ant dates of treatment. My credit report shows that the accounts were acquired in XX/XX/2012. I have disputed these accounts with all 3 credit bureau and had the accounts removed. Recently the accounts were sold to another creditor and was placed back on my XXXX credit report. When I tried disputing the false dept again, it came back as verified. I believe the creditors are partaking in fraudulent activities. This debt is invalid. Every member of my household has had Medicaid for the last 8 years which pays 100 % of ALL medical cost. 

Also, both accounts show the same exact account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX  - Account Number : XXXX - XXXX  XXXX - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX
Product: Vehicle loan or lease

My ex wife used my information to get a car loan without me knowing and I cant get them to remove it from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Formal Dispute Regarding Inaccurate Reporting by XXXX Dear CFPB Representative, I am writing to formally dispute the accuracy of the information being reported on my credit file regarding my account with XXXX. Despite my diligent efforts to address and resolve this issue, XXXX has failed to provide verifiable evidence supporting the late payments they continue to report. This misinformation has caused substantial harm to my creditworthiness and financial stability. 

I took the proper steps to dispute the reported late payments and requested a thorough investigation from XXXX. However, during my communication with their representatives over the phone, I was informed that they are unable to verify the accuracy of the reported late payments. They admitted that their records are limited to basic account summaries and statements, and they lack the necessary documentation or systems to conduct a full investigation. Despite this, the incorrect information remains on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to ensure that the information they report is accurate and verifiable. If they can not verify the accuracy of the information, it must be promptly removed from my credit report. XXXX failure to meet these standards is a clear violation of my rights as a consumer. 

The continued reporting of these inaccuracies has significantly impacted my life by : Hindering my ability to secure employment, particularly for positions that require comprehensive background checks. 
Preventing me from obtaining a mortgage to provide a stable home for my family. 
Limiting my ability to access future credit opportunities to rebuild my financial stability. 

As a dedicated professional employed with XXXX XXXX and XXXX XXXX and the primary provider for my wife and young daughter, these inaccuracies create unnecessary and unfair obstacles for my family and my career aspirations, including my upcoming training at the XXXX XXXX in XX/XX/2025. 

I respectfully request that the CFPB : XXXX. Investigate XXXX XXXX XXXX properly investigate my dispute and verify the accuracy of the reported information. 
XXXX. Require XXXX to provide concrete evidence supporting the reported late payments or delete the unverifiable information from my credit report immediately. 
XXXX. Ensure that XXXX complies with FCRA standards to protect consumers from the consequences of inaccurate reporting. 

Enclosed, I have included copies of my written dispute, any correspondence with XXXX XXXX and additional supporting documentation. 

Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to ensure this matter is resolved fairly and that my rights as a consumer are upheld. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I called FedLoan Servicing on XX/XX/2022 to have my student loan payment refunded. I called XX/XX/2022 for an update, but there is no progress on the refund request. I'm not even sure if they sent an application for my initial request for a refund. I checked my account today ( XX/XX/2022 ) and saw that my loan information is gone entirely. Previously, it shows my loan amount and that it was paid off.
Product: Credit card or prepaid card

Swiss Colony  has been a thorn in my  XXXX . This company have sold the original account under my name and social security number to a collection company called  XXXX . I have complaint on  Swiss Colony  many times about the account is not mine and I have went through the credit agencies as far as placing a fraudulent alert on my credit files b ecause of Swiss Colony not believing me. Now   XXXX    have written me a letter to collect a debt for Swiss Colony but Swiss Colony still ha ve this account open on my credit files as of today. Okay, my mother have paid this account for me. On the letter from  XXXX , they mentioned that I can pay a discount of 50 % of the asking pric e Swiss Colony is asking for which is {$130.00} and 50 % of that is {$68.00}, paid. My mom paid it for me on the    XXXX / XXXX / 2017  with her bank card  XXXX   XXXX . I had received a letter from  XXXX  on the  XXXX / XXXX / 2017 . My mom paid the 50 % for me  so Swiss Colony can closed the account, but they never did. Swiss Colony still have this account current and open a fter they have sold the account to  XXXX . Also, I have disputed Swiss Colony account before the collection agency brought the account and Swiss colony still have not place the statement on my credit files that I have disputed the account by asking them to provide any information under my name and social security number to validity of the debt that I owe to them . Swiss Colony knows that  the debt is paid and they still have the account open and current on my credit files. If they dont delete their entry from all my credit files I will take them to small claim court. I have proof of everything that could have them pay me for their lack of communications and lack of their actions to clear this situation/matter up.  XXXX  have proof th at Swiss Colony debt under my name and social security number is paid.
Product: Checking or savings account

I used my overdraft feature on my checking account last summer ( XX/XX/2017 ). I lost my job and was never able to bring my balance to current. The account was subsequently closed. I do still have an active savings account. I would like to know what do I need to do to clear the outstanding balance on my checking account and also how much is actually owed on that account. Any assistance would be great. I have had this savings account for almost 27 years and would like to clear any debts owed to restart my checking account. i
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to dispute with XXXX  and the creditor directly. I am not aware or have done any business with Southwest. I have requested a signed document or other identification to prove I owe this debt. 

All I have received is statements. Anyone can generate a bill and say it mine. The company or the Credit bureau has not been able to provide proof the debt is valid and I am the true person that owe it. 

Please help me with this collection as it is hindering my credit score.
Product: Money transfer, virtual currency, or money service

Good evening, Paypal closed my account without any reason or warning, i tried contacting them trought on-site support, phone call, XXXX and they refused to assist me or tell me the reason why, also on-site support told me to open a new account ( I have proof of it ), which invalidates the purpose of them permanently limiting my account in the first place. 
They assured me that it was done manually, not by a robot, but the limitation happened on sunday, which im sure PayPal doesn't work on I provided all my private documents that they required on time. 
I rely on PayPal for my bussiness, currently there are no alternatives that i can use, or that exists. 


My email is - XXXX I got permanently limited on XXXX. XXXX Thank you in advance, if you need more information or documents please let me know. 

Best regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give your company consent to furnish any hard inquiries on my consumer repor. I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. As a result i discovered several fraudulent accounts upon review of my credit report. I have contacted the creditors for help getting the matter corrected with zero success. I am now seek greater assistance in getting this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute and an FTC report for fraudulent accounts on all 3 credit bureaus. 

Experian - XXXX {$1100.00} XXXX XXXX {$1000.00} XXXX - XXXX {$1100.00} XXXX XXXX {$1000.00} XXXX - XXXX {$1100.00} XXXX XXXX {$1000.00}
Product: Debt collection

I received a collection notice from Revenue Group. On XX/XX/year> I completed a form on their website requesting a detailed description of the invoice related to the amount they say I owe ( {$1300.00} ). I did not receive any communication from Revenue Group.
Product: Checking or savings account

I have had major problems with Laurel Road online banking. 
As I am new to credit and building it I must have my bills paid on time, currently I lost my apartment due to a split up, and had to change phones and numbers. I tried to update it on the app and from there all normalcy disappeared. I found out my card was froze for me trying to use it several times. Me not being able to update via thier app, made it so I wasn't aware they were trying to reach me and XXXX that they didn't know I hadn't received thier message. So I called and told them u never received anything from them no call no email which is true. I had a friend loan me his phone to update my info and was told that I had to prove his phone was mine or they wouldn't unfreeze my card. Now I stress to them I'm XXXX  and I have three dogs, we need this money to eat and survive on as I am on the XXXX .and for hours I'm transfered back and forth to many agents all not helping or understanding the urgency of this. Then I finally find a old email from them and fix the card and get it unfroze. The very next day the entire account is place on a hold and now I can't even see what THIER doing as I can't even get on the app now ... my storage is not being paid which adds late fees everyday until it's paid. My shipping container with the bulk of my apartment in it is also unpaid that's XXXX XXXXXXXX XXXX  alone, plus now late fees. I can't pay for my written test or my car insurance, nor a hotel room to get us out of the truck for a bit. I can't eat, or XXXX XXXX  and the worst part is all this is doing to my newly established credit.. which I've worked really hard on ... everything is falling apart I want them to pay all my late fees and bills that they caused to go into default their fault. This is no joke this is the second worse bank ever don't open an account you will regret it.
Product: Checking or savings account

International Wire transfer was not handled correctly. 
On the fourth of XXXX, 2023 at XXXX pm. traveled from XXXX XXXX to XXXX XXXX Texas. Was told I had to go into the bank personally to make a wire transfer for which I was told that if I personally it would take no longer than 24 hours. 
The wire transfer never made it to the bank indicated and I was not told or notified of wire transfer being returned to my bank until the XXXX of XXXX, for which I had to call to see where the funds had gone. 
This clerk error cost me XXXX dollars to travel to an from the bank an housing cost. An XXXX dollars for wire transfer plus XXXX dollars for transaction error and now XXXX dollars to place the complaint. It also caused me to lose the business transaction for what it was needed for. when at the bank I went to a desk employee an was told the window clerk would be able to handle transactions for me. I went in on the XXXX of XXXX and the receipt of the transaction was dated the XXXX of XXXX. 
It also caused me grave hardship for a clerk error and my time. 
Total of XXXX. 
We also called several times during the process to verify that transaction had been down properly. Gave bank account several times, entered bank routing several times and the bank employees stated that everything was in order an that it should be there again by next day, And next day never came. 
For this reason I feel that I should be refunded my fee of XXXX dollars for wire transfer, XXXX dollars for error transfer fee and for XXXX dollars for dispute of transaction error of XXXX. I know that the travel XXXX not be included of XXXX but if I knew that this transfer could of been done over the website because it took the same length of time in office or on the website, I would not have to have traveled all the way back to XXXX XXXX Texas as told to do so by a bank office member. 
For this again I am placing a complaint for bank error, bank mistrusted information and for hardship caused again for trusted bank information. 
I have attached paperwork used for wire transfer and receipt of confirmation for wire transfer that was done at the branch office in XXXX XXXX Texas.
Product: Credit card

I paid off my Synchrony Belk card via a settlement on XXXX XXXX, 2015. I have made bi-weekly calls to Synchrony as all XXXX of my credit bureaus are as of XXXX XXXX, 2015 listing the balance as XXXX with a past due of XXXX. 
The balance is in fact XXXX and the past due is XXXX. I spoke with XXXX at XXXX central on XXXX XXXX, 2015 and XXXX assured me the appropriate credit bureau correction forms were being sent immediately to all XXXX bureaus. That was a lie. None of the XXXX bureaus have received the updated information. As a result, I am suffering damage to my credit report and score as I attempt to purchase a home with a mortgage. It has been a full NINETY THREE days since this account has been paid in full. That is more than twice the 45 day maximum time frame allowed. I have made repeat requests to have a manager return my call. They have refused. I have been hung up on twice as I held upwards of XXXX minutes. As I type this, I have been on hold today for XXXX minutes. I have settled XXXX accounts after my divorce, and Synchrony Belk is the single only creditor that is not reporting properly. At this point, I demand to have my credit file accurately updated immediately. The CFPB exists to protect consumers from practices such as this.
Product: Debt collection

I was a victim of identity theft, i know who the person who used my credit cards without my authorization. I recently ran my credit and have found negative credit hits that i was not aware off. I have filed a identity theft report with FTC and provided the report to my creditors and a sealed court document from the district attorney where i made the court aware of this individual stealing from me. I have reached out to my creditors to discuss my situation, they all take this complaint lightly stating i am to honor the debt. Some claim there was an investigation done in XXXX week. I have demanded an investigation to be performed in detail from XX/XX/XXXX thru XX/XX/XXXX on signatures to transactions on the credit cards with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries not done by me, three inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Affidavit and disputes sent to TransUnion will not comply with deleting inquiries