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

Hello, My name is XXXX XXXX I am a business owner in XXXX XXXX Ca, I have been using Square to receive payments from my customers for the past few years. I had a customer dispute a charge for a service I had rendered. Upon the customer setting the dispute into motion XXXX then deducted the disputed amount from my account and have been holding these funds ever since. I was then told by XXXX to contact my customer to resolve the issue. They then told me once the customer cancelled the dispute, for me to inform them of this and they would then confirm that with XXXX and my money would be promptly returned to my account. 

I then reached out to my customer to find out the issue. There was a misunderstanding on their part and so upon speaking to them and resolving the issue they then called their bank ( XXXX ) to cancel the dispute the same day they made it ( XX/XX/XXXX ). I then on that same date notified Square of this. I was told by numerous representatives there that they had all the information they would need and that in 3-5 days it would be placed back in my account. 3 weeks later this still has not happened. I have spoken to so many different reps there I have also provided proof from XXXX themselves that this issue has been resolved and still nothing has been done to return my money. I only get the line that they are going to escalate the issue. It has even gotten to the point that the customer has offered to pay me again because they feel bad about it all. So they are offering to pay me another {$2600.00} just to make me whole. This issue has taken up a lot of my time not to mention has thrown my bills and finances into total chaos. I just felt I needed to file this complaint against this company as I feel I am being taken advantage of. 

I thank you for your time and help Sincerely, XXXX XXXX
Product: Mortgage

They paid almost {$1700.00} our of our escrow and misapproriated the funds. They claim we are getting a refund from whoever they sent it to, and then want us to mail it to them even though we should be overpaid on our escrow. They had over {$2000.00} transferred from XXXX XXXX, our payment is $ XXXX+ and we've been paying {$1200.00} & {$1200.00} & {$1500.00}, so the difference is in our escrow and they should have only paid out {$700.00} plus {$3300.00} for taxes and insurance. Where is our money? Who is using it?
Product: Credit card or prepaid card

In XXXX of this year, I was diagnosed with XXXX XXXX and possible XXXX XXXX. In an effort to reduce my debt ( I had no idea how much work I would miss ), I paid off a secured credit card. I took {$2000.00} and paid it off and the person I was speaking with on the phone told me she would cancel the card. Since I had just had TWO XXXX and was not thinking clearly, as I would have under normal circumstances, I said, Okay. 

Fast forward to XXXX. I had just gone through TWO XXXX XXXX and was getting ready to start 6 weeks of XXXX5 days a week. One day, during a break in my XXXX XXXX it occurred to me that Id accrued thousands of points on my card. I called customer service to redeem the cash the points represented and was told : 1 ) I had 2 months after closing the account to redeem the points and it was a few days past the 2 months. I explained the whole XXXX XXXX thing and was told he would work on it and would call me back in a few days. I didnt get his name. He called back and said he could get me my redemption ( a little over {$710.00} ) but they had to credit it to my card and since the account was closed, I should just get another card and they would apply the money to that card. I applied twice ( the first a non-secured card, the second a secured card ) and was denied both times. 

2 ) I called customer service again in an attempt to get my money and was told that since the bank closed my original account, I couldnt. I asked if I had closed the account, would I have been able to get the points now. She said, Yes.
3 ) I made an appoint at my local branch ( XXXX XXXX, XXXX XXXX, WA ) to get that changed to my decision to close the account so I could get my money. At the bank, I was told the MINUTE the account was closed, I forfeited the money.
4 ) I have subsequently received 2 letters from BOA asserting that I couldnt receive the money Id accrued because it was forfeit the moment the account was closed, regardless of who closed it.
So, as you can see, Ive had several stories of what happens to MY money after an account is closed and the bank finally settled on the one that denies me my money. I spent a lot of money accruing that money and they reneged on what is mine.
So here we are. I have an account at BOA ( corporate ) into which they could deposit the money -- -but they cant. 

I have exhausted all my methods except you and picketing. As an aside, XXXX XXXX ( before it became BOA ) in XXXX was the FIRST bank in the nation to stop redlining as an official practice. That was where bank bigwigs would draw an arbitrary line around neighborhoods ( think minorities ) and just not loan money for housing or remodeling there. They stopped the practice because I put pickets on them until they stopped. I am willing to hit the streets again with my friends, but hope that you will take up my cause instead. Im still kind of tired from the XXXX! If not, I 'll post all our picketing -- several branches -- on social media. 

Thank you, XXXX XXXX XXXX ; XXXXXXXXXXXX
Product: Bank account or service

On XXXX XXXX, 2016, with the help of Wells Fargo XXXX XXXX ( over the phone ), I created new accounts for XXXX XXXX stock that I owned. My purpose in doing so was to have XXXX siblings included as Transfer Upon Death ( XXXX ) recipients. At the time of creating these accounts I called Wells Fargo XXXX XXXX and was told to use Wells Fargo 's Stock Power Form. The guide to completing this form is XXXX pages long. 

In order to correctly complete the form I asked the Wells Fargo XXXX XXXX assistant for help. When I came to Section E of the form ( which deals with a XXXX form making the account tax certified ) the Wells Fargo XXXX XXXX assistant tole me I did n't have to sign that section because I already had an existing account. ( XXXX XXXX form is specific to verifying a Social Security number and provides tax certified status to the account ). 

Under the guidance of the Wells Fargo XXXX XXXX representative, I did not sign Section XXXX of the XXXX XXXX XXXX and then submitted the entire XXXX XXXX XXXX to Wells Fargo via mail. 

In XXXX XXXX XXXX XXXX XXXX merged with XXXX, which involved an exchange of my current shares of XXXX XXXX with the new company now called XXXX XXXX XXXX. But because my shares of XXXX XXXX XXXX XXXX were not tax certified when the new accounts were created, I was taxed on all my existing XXXX shares and again on proceeds from the sale the XXXX XXXX stock itself. 

On XXXX XXXX. 2016 I called Wells Fargo XXXX Services and spoke with another representative over the phone. She pointed out to me that in lieu of sending in a XXXX document, I could have accomplished the same purpose of achieving tax certification status on-line almost instantly. When I originally called Wells Fargo XXXX XXXX in XXXX, I was not told this was an option. 

According to a Direct Registration Account Statement mailed to me after the fact, Wells Fargo XXXX XXXX sold XXXX shares of my XXXX XXXX XXXX XXXX to cover these tax bills, at a cost of {$2300.00}. 

I have been in communication with representatives of Wells Fargo XXXX XXXX by phone to confirm that they sold XXXX shares of my stock and that I paid {$670.00} in withholding tax to the IRS.
Product: Mortgage

Quicken Loans is not reporting my mortgage to the XXXX credit bureaus. On my credit report, it states account is closed. This is affecting my credit rating. I was granted bankruptcy in 2013 for credit card debit. I have never been late on any mortgage payment. My account is current. Quicken Loans has been non compliant to any of my inquiries since the date of filing bankruptcy.
Product: Vehicle loan or lease

XXXX XXXX got me into a loan I could not afford due to falsely advertising and submitting false income information about myself
Product: Credit reporting or other personal consumer reports

Dear Experian, My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile. I'm concerned about the accuracy of the information in my credit report. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true. Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it! 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Inquiries being challenged in list form XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My condo mortgage holde, OCWEN, rjust charged me {$1400.00} for a 12 month condo owner insurance policy, saying that I do not have adequate coverage for my condo unit.. so they have purchased coverage for me!!!. This is untrue. Our condo master policy covers the entire replacement cost of the my condo ... the only things not covered in our master policy are my personal furnishings. I have never been and am not currently without the OCWEN 's required coverage.
Product: Debt collection

I received nothing from this debt collector in regard to how to dispute this debt. All I continue to see is this debt on my credit report and have not have been provided in writing a way to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was removed from my account on XX/XX/2022, after i requested additional information and they were unable to do so. Now the dept was added back without the proof. This dept was sold to another company and added and this account was proven to not be mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have filed a complaint with EXPERIAN Credit Bureau to have the fraudulent accounts that they have been reporting to be block. I have asked Experian Credit Bureau to remove the FRAUDULENT ACCOUNTS listed below that remain on my credit report in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 )  appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XXXX XXXX DT Credit pull from my credit report, on XXXX XXXX XXXX pull from my credit my credit report, and on XX/XX/2020 XXXX  XXXX XXXX pull my credit report all without my permission or intention to incur an inquiries on my credit report. I need this off because it is messing up my credit report for me to get a loan, credit card, and car.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regard to the Experian Fico Score and reported late payments on their website. I have run my credit report as has Experian and it shows no derogatory credit. The other credit bureaus XXXX, XXXX have not been affected. On XX/XX/XXXX my Fico score on Experian was XXXX. On XX/XX/XXXX I received an alert from them that it dropped to XXXX. I checked on their website and it stated the factor was a 60-day delinquency. I called and was told my credit was perfect and they couldn't process a dispute directly against Experian. They opened a case number ( XXXX ). Last month their website reported.an additional 30-day delinquency. I called again this morning and a customer service representative reassured me that I have no delinquency on my credit report but they can't change the Fico score the system is generating. I'm guessing their system is merging my credit with someone else 's report. They Can not fix the problem. 
I need their Fico score to reflect my accurate credit score.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Finance Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company Information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter out regarding inaccurate and unknown things on my credit report. To this day, over 45 days later I have not received a credible response yet. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to properly investigate any items within 30 days gives a reason to immediately remove them from the credit report. It has been over 45 days so the disputed items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Product: Debt collection

A male who said his name was XXXX called both me and my wife saying he was a Process Server and that he was letting us know that he would be at our home or place of employment to serve legal papers unless we called this number XXXX we called that number four times and all we get is a voice mail. With his last phone called he said, " that was your last chance and I 'll be at your home at XXXX on a specific date, Ill see you then. '' He leaves no other information on this matter. '' I contacted my Lawyer and he had me file a police report, file his complaint and keep any other contact with this person. My Lawyer informed me, plus the Police taking the complaint that Process Servers do n't call you before they serve papers and this was most likely a scam or and illegal attempt by a collection agency to collect a debt with scare tactics.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX & XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I recently filed a complaint on CFPB due to the refusal of multiple letters to verify the debt. 
The case was closed and debt was supposed to be removed from my credit report in which one was and the other is still showing up. The account number is XXXX for the amount of {$31.00}.
Product: Consumer Loan

I contacted lend up to informed them that i was going to be needing an extented payment plan and i was told that they did not have to obey that law
Product: Debt collection

Received letter dated XX/XX/2017 fromm IC System re account number XXXX. I asked IC system to validate debt and they were unable to do so therefore I am filing a complaint.
Product: Credit card or prepaid card

I signed up for a credit card with First National Bank of Omaha. They mailed me a credit card in the mail. The credit card was stolen during shipping or at arrival ( First National Bank of Omaha is not sure or able to confirm it ). Afterwards, the credit card was activated and {$9900.00} was spent at a XXXX Body Sculpting at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. This location has a number of reviews of stolen credit cards being used here. 

I never knew that the card was stolen as I was still waiting for it to arrive in the mail. First National Bank of Omaha says that I am liable for the total amount spent. They will not release any additional information to myself and are requiring me to get a subpoena in order to try and learn more. 

A police report has been filed. The credits on the attached statement are PROVISIONAL credits provided by the bank to prevent interest on the charges in question. Money has not been recovered and this credits are not permanent.
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.

THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15U.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 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 S-2 ( A ) ( a ) 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.

DELETE THE ACCOUNST BELOW
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year>, Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Someone hacked my cash app and effected my personal checking account in XXXX XXXX XXXX. The bank making me pay full amount after I told them someone hacked my account fraudulently.
Product: Debt collection

XXXX XXXX has an account opened XX/XX/2017 with a balance of {$2500.00} and this is a fraudulent account. My identity was stolen, completely. Also, XXXX XXXX has an account opened for me on XX/XX/2017 with a balance of {$8500.00} and this is a fraudulent account as well.
Product: Debt collection

In accordance with Fair Credit Reporting Act these original creditors and collection companies/debt buyers have violated my consumer rights. Under 15 USC 1681 section 602 states I have a right to privacy.15 USC 1681 section 604 ( A ) section 2 it also states that a credit reporting agency can not furnish an account without my written instructions.Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late under any circumstances or purpose which would cause it to be charged off as debt and sold to a collection company.Furthermore, under section 609 ( a ) ( 1 ) ( A ) credit reporting agencies are required by federal law to verify through physical verification an original signed consumer contract on any and all accounts posted to a consumers credit report.
Product: Debt collection

TSC Account Receivables is reporting a collection account on my credit files that is not mine. This account was opened fraudulently and is causing great harm to my credit score. I have never conducted business with this company or the company that sold this debt. TSC Account Receivables has never tried to communicated with me about this fraudulent account. DOB : XX/XX/1988 ; XXXX Account : XXXX {$360.00}
Product: Bank account or service

BBVA XXXX closed my accounts out of the blue with no explanation. 
To my knowledge nothing happened with the my accounts that that could result in that. No bounced checks, no negative balance accounts, nothing. That they do n't even care to explain leaves every possibility open, including but not only discrimination