23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XX/XX/2023 Dear Equifax I, XXXX XXXX, am sending this letter due to inaccurate accounts on my credit report. In accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the ORIGINAL name of the creditor to whom the debt is owed ; * ( 2 ) Provide a verification or copy of any judgement ( if applicable ); * ( 3 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. This account was deleted by you guys then put back on my report on XX/XX/2023. The report states I opened the account XX/XX/2023 which makes this account beyond inaccurate. 
Party Owed : XXXX XXXX XXXX Amount : {$1000.00} XXXX Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am writing to file a formal complaint against Square Inc. regarding their unethical and potentially illegal actions in relation to a recent ACH transaction totaling {$5500.00}. This transaction occurred on XX/XX/ and was my first experience with Square as a payment processing company. Regrettably, it has been nothing short of a nightmare. 

I initiated a {$5500.00} ACH transaction through Square 's platform. To my astonishment, immediately after the transaction, my Square account was inexplicably deactivated, and I was left in the dark about the status of my funds. I contacted Square 's customer service department immediately to seek clarification and resolution. 

My initial contact with Square 's customer service was disappointing and unprofessional. The representatives I spoke with displayed a complete lack of empathy and professionalism. They failed to provide any concrete information about the reason for my account deactivation and the status of my funds. Instead, they assured me that " management would call [ me ] within 2 business days to resolve the issue. '' However, as the days turned into a week, I heard nothing from Square 's management or anyone else from the company. Frustrated and concerned about the safety of my funds, I attempted to follow up with Square multiple times. On each occasion, the customer service representatives were unhelpful and, shockingly, even hung up on me without any explanation. 

The condu

ct of Square Inc. in this matter is not only unacceptable but also potentially in violation of federal regulations governing ACH transfers. By deactivating my account and withholding my funds without any reasonable explanation or avenue for resolution, Square has demonstrated a blatant disregard for ethical business practices and consumer rights. I believe that this behavior may constitute an unfair and deceptive trade practice. I kindly request the Consumer Finance Bureau to investigate this matter thoroughly and take appropriate action against Square Inc. to en
sure that they adhere to ethical and legal standards in their business operations.
Product: Credit card or prepaid card

I filed an dispute with Capital One Bank on.XX/XX/XXXX.Advised Capital One Bank to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised, Capital One Bank that they are allotted 30 days to provide disputed results to me. Never received correspondence from Capital One Bank.
Product: Checking or savings account

Back in XX/XX/XXXXof 2018 I started receiving Fraudulent activity on my account I let navy federal know about it they didn't do nothing to protect my account they deny my claims and then froze my account saying that I can't use for 1yr until XX/XX/XXXXof this year, so I got my Financial aid check from my school and then they basically told me that I will have to pay them 200 dollars to unlocked my account but they saying the reason why because there was a charge back of XXXX and 30.00 but they can not give me what the Institution name but I don't know why if I let u know that I have Fraudulent activity on my account I let them know I didn't make that deposit because I had to sign a Affidavit saying it wasn't me
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/2023 they said that they deleted all the fraudulent inquiries, today is 0XXXX/2023 and those inquiries are still on my credit report, even tho I sent them FTC report several times via FAX, MAIL, and CFPB portal.
Product: Credit reporting or other personal consumer reports

I have a late payment reporting on my credit that shouldnt be reporting. Under 15 USC 1681 A ( I ) ( 2 ) Exclusions. the term consumer report does not include Section ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. So, the law clearly stats this shouldnt be reporting on my credit.
Product: Vehicle loan or lease

Honda financial services is not sending me the documents I need to register my leased vehicle in the XXXX of NY. They have kept me waiting for XXXX weeks so far. Every time I call, the representative I talk to feeds me lies and starts gaslighting me, with absolutely no reason. I keep paying for a car that I can not use. This is causing me major issues with my job and affecting my mental state and my anxiety. I want my documents and Honda must send them to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

company is : XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX, fl. XXXX, ..in 2012, I rented a XXXX apartment for {$550.00}. mntly,. within 7 month the apartment developed many serious problems with mold, bathtub sewage, and default electricy with no maintenance accomplish, .. within the 8th month i vacated the premises, and thereafter was reported to the credit bureau with no balance owed.. AFTER 8 YRS FALSE INFORMATION IS STILL ATTACHED TO MY CREDIT REPORT
Product: Student loan

I have had issues paying my student loans in the past and have worked dilligently for years to ensure I could actually afford my payments. When my payments went up from $ XXXX/mo to $ XXXX/mo- I became unable to make my payments altogether. I applied for XXXX Loan Forgiveness and was indeed granted a {$17000.00} forgiveness on my {$130000.00} of student loan debt ( mostly interest and late fees ). This made my payments GO UP! I called Fedloan in XX/XX/2016 and was told I could change my payment plan which would lower my payments back to around $ XXXX/month- which I feel like I can probably afford. When I got my statement for XX/XX/2016- my payments amount had not changed from {$340.00} like I was told it would. I was also told I would get a month of deferment while switching to the new plan and would have a $ 5 monthly payment for XX/XX/XXXX. This was a lie and I was completely deceived by the people at Fedloan, almost like they wanted me to think I had solved my issues but nothing changed at all! I can not afford the new higher payment and am now in danger of default all because I was deceived and told things that simply were n't true. They have once again destroyed my credit and killed my financial future yet again! I wish I had NEVER taken a single loan out and honestly will begin telling my XXXX in class ( I 'm a XXXX ) that college is a waste of money. My loans are actively ruining my life, if I could declare bankruptcy on these XXXX loans I would! I am completely trapped and helpless in this situation- ALL because I was LIED TO!! Fedloan is perhaps the worst example of what happens when the Government gets into the loan business. Please hold this organization to account for destroying my financial life, time and again!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian - Unable to reach a representative for months. Please help ... 
I keep trying. I needed corrections and to receive a report by download. I had fraud occur. Each time I use the phone system it will not let me reach a live Experian representative, instead the prompt indicating I am interested in a report suddenly with no warning just gives me a recording saying they have MAILED me a report - WITH NO OPTION TO SAY NO. Unbelievable. I can not receive a report by mail because there is chance of mail theft where I am. I did not receive the credit report after a month. I do not know who's hands it might have ended up in. I keep calling every number I can find on the internet and still the same Experian recordings and no amount of options get me to any person at all - NO LIVE PERSON AND THE WEBSITE WILL NOT ALLOW DOWNLOADS of report. I am in shock. The other credit bureaus like XXXX - no problem reaching at all. To add insult to injury - Experian sends me emails selling me their products but with NO WAY TO UNSUBSCRIBE to them. PLEASE HELP me contact this company! They should be legally required to respond to customers with live assistance. Are they not?
Product: Debt collection

I have been doing my due diligence to pay off my student loan debt. I have been in constant contact with the department of education and debt management and collections. I was notified how much I owe and who owned my debt. I have been paying for nearly 9 months now and yet I have three different collection agencies ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Estate Information Services , LLC dba EIS Collections ) contacting me telling me I owe money. Each claims to be collecting a debt from Navient ( which is what I am currently paying ). The amounts are extremely high ( nearly {$100000.00} ) in comparison to what I have been told I owe ( a lot less than that ). 

The department of education has told me these are fraudulent and that the money is not owed and told me to contact Ombudsman who opened three cases ( today XXXX/XXXX/2017 ) and told me to turn it into the Consumer Financial Protection Bureau. These collection agencies have not only called and called and called me but have started harassing my family.
Product: Credit card

A XXXX XXXX  XXXX account was opened in my name without my consent. Then a chase card was opened using my social security number but under a different name. Both account documents were sent to my home address, which was the only reason I found out they were opened.
Product: Debt collection

sent notice for debt validation to Emmett L. Goodman , Jr. , LLC on XX/XX/2020 for debt company claimed I owed. As of XX/XX/2020 this company has failed to provide any information via telephone, email or postal service.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, the FBI and COINBASE determined that I was a victim of a cryptocurrency scam. COINBASE unilaterally locked my account, without my consent. Im ok with this, but since XX/XX/XXXX I have repeatedly spoke with people at their Helpline and their Locked Account Line, to try to unlock my account and wire transfer my remaining funds back to my bank account of record. The Helpline and the Locked account line dont believe me when I say COINBASE corporate has locked my account because of the scam, and I can not unlock it and get functionality to wire my funds back to me. Only COINBASE corporate, legal or fraud can unlock my account and the helpline can not help with this. They have tried to elevate my case, and inform legal, but this was over two weeks ago without response. COINBASE has said they will return my funds ( 26 days ago ) but will not say when they will allow me access or wire my funds back to me. So COINBASE has my account locked, and I am prevented from accessing my funds.
Product: Credit card or prepaid card

At the end of 2022 I called to dispute charges, the rep had me on the phone for over an hour and he didnt do what he was supposed to do which is dispute the indicated charges. That generated interest charges that I was told they will be waived. The interest charges are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fees happened cause the rep failed to do his work which I called to dispute some charges. I cant hold accountable for the credit card employees mistakes
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that shese payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Debt collection

XXXX XXXX on XX/XX/2020 XXXX XXXX on XX/XX/2020 Franklin Collection Service was rude on the phone when asked for company name, phone number, and address. Had to call back 4 times to get the information. The company tried to defend their actions stating their local time is passed XXXX XXXX. I explained to them that if they have my account information, then they should have my address information showing that I live in Colorado. Even after I expressed my disapproval of calling before legal hours, they called again the next day before XXXX XXXX again.
Product: Credit reporting or other personal consumer reports

Upon consulting with the US Dept. of Education in reference to the student loans. The Dept. of Education told me on the phone ( and it reflected on their website ) that my loans are not presently in default though the XXXX company insists that they are. A dispute was filed with the credit bureau Trans Union and Trans Union told me that they sided with XXXX. XXXX has an unfortunate and known history of not being trustworthy and Trans Union has a bad habit of believing them over the consumer. XXXX needs to stop insisting that they " are the Federal Government. '' The US Dept. of Education is the authority on the case AND is the Federal Government. XXXX has demonstrated that they do have a credibility problem and can not be trusted.
Product: Checking or savings account

On XXXX i deposited a payroll check into my account theough the atm service because chase has moved their inside hours closer to XXXX XXXX. My wife banked with them and i work the same company she did so i assumed there wouldnt be an issue. My account was immediately locked down and put on a security hold for no reason with XXXX warning or explanation aside from " we will release the funds once we contact the issuing bank '' then i was given a deadline that i would have my money by XXXX. Then the deadline changed to the XXXX stating it is now a security hold. I am a XXXX veteran and i havent eaten in nearly 2 days because of this. All of which i have sooken to my bank about. And have the recorded phone calls stating that they do not care about veterans or anyone in general and " ill get my money when i get my money '' even chase banks own customer service stated the same sentiment worded differently. It is now the XXXX. My utilities are about to be disconnected. Phone disconnected etc because they will not release my funds nor will they let me close my account until the hold is over and pull my money. I thought better of them but i was wrong. They used very aggressive tactics when.i opened my account in order to force me into an account with a monthly fee even though im XXXX XXXX  XXXX through the XXXX XXXX. This bank is disgusting and i would never recommend anyone to use them.Chase is also aware of their aggressive practices because im not even allowed to screen shot my own account on my phone.
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act capitol one account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without written instructions. 

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

XX/XX/2023 I submitted my SCRA certification to all my creditors. 
I sent the SCRA certification to Upgrade around XXXX via the written process they requested. 
I received confirmation that my SCRA was approved two-three weeks later, however, my balance and rates were not adjusted on the customer Upgrade interface. 

I contacted Upgrade 2 times. The first time I was advised to wait one billing cycle for the system to update. After the billing cycle, I was advised that the SCRA adjustments were made, however, the balance was not affected. 

Oddities : Upgrade showed my due amount for two billing cycles as {$0.00} ( XXXX and XXXX ). I was not advised if this is considered a credit per the SCRA. I still do noy know if it was. 

After submitting my SCRA, I received an email notification stating that Upgrade has adjusted my available credit in a negative manner- decrease in my credit availability.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Credit Agencies ( XXXX, XXXX, and Transunion ) are reporting incorrect late reportings on my credit file. I was never late on my student loans. The following information is reporting inaccurate on my credit files. 

Dept of Education/XXXX  - Open XX/XX/XXXX ; balance - {$3600.00} Dept of Education/XXXX  - Open XX/XX/XXXX ; balance - {$3200.00} Dept of Education/XXXX   - Open XX/XX/XXXX ; balance - {$1200.00} Dept of Education/XXXX  - Open XX/XX/XXXX ; balance - {$880.00} Dept of Education/XXXX  - Open XX/XX/XXXX ; balance - {$2300.00} Dept of Education/XXXX  - Open XX/XX/XXXX ; balance - {$1300.00} Dept of Education/XXXX  - Open XX/XX/XXXX ; balance - {$2100.00} There is inaccurate bankruptcy information that is reporting on my file : I contacted the US Bankruptcy Court and they informed me that they do not provide information to the credit agencies. So the information that is reporting on my credit file is incorrect. This is not my bankruptcy information. Please verify. 

There are also several inquiries that was not authorized by me : 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 Bankruptcy 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

To Whom It May Concern : I recently received a copy of my ( XXXX, & XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Checking or savings account

On XX/XX/XXXX I received a text at XXXX at night asking if I made a transaction a charge to XX/XX/XXXXes or No. I replied XXXX at XXXX and the XXXX response stated the transaction was blocked. 
I immediately went to my account and investigated how to freeze my account after realizing I no longer had my debit card. 

The XXXX XXXX was already frozen by the night of XX/XX/XXXX. 
I also noticed the other transactions for XXXX and XXXX $ also to XXXX did not get mentioned in the original text so I knew I had to contact to clear this up. 

I first contacted Chime XXXX XX/XX/XXXX at XXXX PM. 
I opened my first dispute and provided the entire story to the representative. I provided the entire story and made sure everything was clear as to what happened. I was then assured this will not take long and there is enough information so I should be fine. 

I received a response XXXX stating the claim was denied and no error was made. I called immediately and was advised that there was not enough information on the case which is strange as the last rep confirmed the same story was documented. 
I've never purchased anything from this website. I've never had an issue with a dispute before. 

The claim was then reopened but again denied XX/XX/year> stating no error occurred and the ruling is final.