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

Back in XX/XX/year> {$50.00} was sent to my cousin that needed to be sent back to me. But Cash App captured the funds due to the individual account status and refused to send me my money back. Additional information was requested but I never got a response and there was no way to contact the agency.
Product: Payday loan, title loan, or personal loan

I am having trouble making the payments I borrowed  XXXX  but the interest rate is 720 % I will have paid over {$7000.00} when done the {$400.00} payment every 2 weeks is making it difficult to keep up with my mortgage and bills I need to pay
Product: Checking or savings account

XXXX XXXX ; TD Bank account management with TD Bank XXXX XXXX XXXX XXXX 

Disputes had been reported to TD Bank ; ref Merchant purchased products or services. Consumer paid for {$140.00} at hair salon on XX/XX/XXXX. Consumer advised Merchant the service was below expectations and resulted in damage to hair and color applied was backwards from the formula designed to the sections as needed. The Merchant was advised. Merchants tend not to refund consumers for botched services and tend to maximize their denial until the Bank places a dispute or reason for refunds. TD Bank applied a dispute claim to the account by provisional credit. The expectations by the consumer is for TD Bank send notifications to the merchant, ref a claim or charge back. The Merchant may or may not agree with the claim, although it's customary to have the merchant make good on poor service or lack of service. TD Bank claims that there was no error made on the purchase ; therefore, the consumer pays back the credit. The consumer is left with poor service and the bill. T D Bank explanations aren't in line with the process of investigating debit purchases, because those funds are provided by the consumer deposits. Instead of following through with sufficient investigation, TD Bank rather have VISA determination as to errors rather than disputes that will effect the consumer and the merchant goes free. 
Second, a new submission was entered by the consumer, when TD Bank requested documentation from the consumer, explaining the incident or concerns and was made to fax documents direct to TD Bank claims department after the first decision of denial. Consumer contends that TD Bank isn't managing disputes directly with XXXX, instead is relying on XXXX to make determination by only looking into errors or fraudulent charges on bank card. It's obvious, there's no remedy to canceled orders, canceled service, botched services, or returned purchases. That's an issue and an ongoing problem within the industry. XXXX doesn't want to charge back an item to the Merchant ; given its working relationship. The Consumer is considered the payer and my not have alternatives to resolutions through financial institutions. 
Third, TD Bank mismanagement of disputes effects the bottom line in the consumers daily balance. In this case, the consumer had positive balance on XX/XX/XXXX. After TD Bank reversed {$140.00} on the account it caused negative balance. Plus TD Bank charged ( 2 ) overdrafts due to the reversal.
Product: Debt collection

Attached to this email, you will find documentation supporting my claim, including a detailed account of the fraudulent activity and a copy of the police report I have filed. It is imperative that you promptly investigate this matter and take the necessary steps to remove the fraudulent account from my credit report. 
my email XXXX and my phone number XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX I did a search by XXXX for discounted medical supply and a top result was XXXX I did a further search on that website to find an anonymous supplier for these items that were promised to be cheap and sent very quickly. This unknown party has my name, mailing address and phone number. I absolutely refused to provide any further information such as social security number or bank account details. I was requested by this party to pay third party wires to names that all had a shared domestic address and Wells Fargo account but different names. I was coached to say this was friend repayment which was on the memo of a series of wire out transfers that flagged my personal account by fraud. 

The tactic used by this party pay by wire to have the package released and anything paid would be reimbursed to me by check. I received an email with check images that I incorrectly thought I could deposit. The check was fake, and it came from a bogus company name and address also held at Wells Fargo. Prior to deposit I checked to see if this was a valid routing and account number ; the system we use for check deposit verified the case. I honestly thought it would clear. 

This party used text message numbers and emails to communicate with me at the end of each day to send more money ; the delay each day was adding to some fees/taxes that prevented anything from being sent. 

These people have my personal cell phone, home address and email. It was under the promise of items purchased that I never received and threats of blackmail if I didn't continue to pay. 

I have filed written complaints to my sending banks and unable to have Wells Fargo conduct an internal investigation on my behalf.
Product: Credit reporting or other personal consumer reports

I hope this message reaches you in excellent physical condition. I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made oy the obligor or a credit issued to the obligor on a statement. ( 5 ) A computation error or similar accounting error made by the creditor on a statement. It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late a sign of an invoicing error -- therefore. XXXX humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' :
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX has reinserted a previously deleted collection account from Source Receivables Management without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, Source Receivables Management is reporting inaccurate account information, potentially re-aging the debt, and failing to provide proper debt validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ) FCRA Violation Unauthorized Reinsertion of Deleted Debt ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ) This collection account from Source Receivables Management was previously disputed and removed from my credit report. 
XXXX reinserted this account without providing me a written notice within 5 business days, which is required by law. 
If a previously deleted account is reinserted, the credit bureau must notify the consumer. XXXX has failed to do so. Furthermore, I requested debt validation from Source Receivables Management, but they failed to provide documentation proving that I owe this debt or that they have the legal right to collect it. 
Under the FDCPA, a debt collector must stop collection efforts if they can not validate the debtyet Source Receivables Management continues to report this debt. 
5. FDCPA Violation Attempting to Collect a Debt Without Legal Authority ( 15 U.S.C. 1692e ( 2 ) ( A ) ) If Source Receivables Management does not have a valid contract or assignment from XXXX, they can not legally collect or report this debt. 
They have failed to show any proof that they have the right to collect on this account. 
Requested Resolution :
Product: Money transfer, virtual currency, or money service

I sent money from cashapp to my personal checking account and money was never delivered. I spoke to cashapp and they state transactions was successful and XXXX XXXX state cashapp declined the deposit to my account. Now cashapp refuses to give me my money. Message from cashapp : Based on the information available, it appears the funds were dispensed properly and no error occurred with this transaction. As a result, your dispute has been closed. XXXX XXXX  transaction : XX/XX/XXXX XXXX  at XXXX XXXX and the error is money didn't go into the bank. Request documentation and nothing received https : XXXX. XXXX has no pending deposit and provided me with a authorization number for the declined transaction.Decline to release by cashapp authorization : XXXX
Product: Credit reporting or other personal consumer reports

This account was charged unauthorized without my permission. XXXX XXXX is aware that this account was a result of unauthorized charges. XXXX had admitted that this account is incorrectly reporting on my credit report via email. Email enclosed. Experian failed to investigate the accuracy of this account. The account has listed a total of XXXX charge off under this same account ending in XXXX. The account has late payments on a charge of account. These repeated derogatories have been damaging to me. I settled for a payment to XXXX even though I did not make the Purchases on this account. I was promised by a XXXX rep in XX/XX/XXXX that if I paid the account the account will be removed. This 6 year old account is still on my credit report and its hurting my score. Experian failed to correct and update this account. I have disputed this account 5 times to both the creditor and the bureau. For the sake of years of incorrect reporting with I kindly ask that this 6 year old account be completely removed from my experian report
Product: Mortgage

I live in Texas in an area effected by XXXX XXXX. My mortgage company, Ocwen called me in lieu of this disaster and offered me a disaster forbearance. I was told at the time of the forbearance that there were no criteria or qualifications for the forbearance except to request it. Repayment on this forbearance were set to start in XX/XX/2018, but Ocwen had not completed the review of the of the application for the forbearance. I was told to wait until the review was approved to make payments. Each month that went by Ocwen 's website changed my payment date to the next month indicating no payment is currently due. I was called in XXXX and told that I did not qualify for the disaster forbearance and was not given a reason why. I spoke with several representatives and they were all confused as to why I had not been approved as I was repeatedly told, they didn't know why it wasn't approved as there was no requirements for documentation of income or anything needed, it should have been approved. I was told at this time that Ocwen would request a traditional modification and I needed to submit documents for this purpose. I have submitted all necessary documents. I attempted to submit a payment to them on today XX/XX/2018 and the payment was refused and I was told that they could not submit a payment d/t the account being behind. I was told that my account would not be late or counted against me until the review was complete. I feel as if the assistance that was provided for me was to get me into a vulnerable state and then try to foreclose on my home.
Product: Credit card or prepaid card

I misplaced my CareCredit Mastercard when I moved to my new house. I called MySynchrony on XX/XX/2021 to ask that they send me a new card, preferably with my original card numbers. They could not send one with the original card numbers but they said they were sending one. I use my CareCredit Mastercard for many purchases, including vet visits because of the reward benefits and the promotional purchase benefits. I just went to my XXXX to pick up XXXX for my XXXX cat and was told they were unable to locate my account. I logged into my CareCredit/Synchrony Bank account online and it is showing my account it closed with a XXXX dollar balance. 

My cat is extremely XXXX and is scheduled to have a XXXX on Thursday, XX/XX/2021, which I need to be able to use my CareCredit so that I can charge it under a promotional purchase and finance for 0 % for 6 months. However, your company has disabled my ability to ( 1 ) use my over {$11000.00} available credit ; ( 2 ) finance my cat 's XXXX for XXXX at 0 % ; and ( XXXX ) made it so that I will not receive the reward benefits for charging her procedure. Not only has this created undue financial hardship, it has also created emotional hardship, as I am going to have to figure out what I am going to do at this point since my cat has to have this procedure to assist with diagnosing her XXXX. It make zero sense that my account shows as closed with a XXXX dollar balance but your company states I owe over {$3000.00} but there is no way for me to access that account. Also, your representative knew I had not received my card, but he activated it. Then, I am told that it is activated ( and is somewhere in the mail ) but I still do not have access to the account. 

Previously, all of my encounters with your company have been wonderful. At this point, I am seriously disappointed with your company and the lack of quality or care offered to my situation. I have been a great customer for approximately 10 years. I make my payments on time. It makes ZERO sense that your company has disabled my ability to use MY account which I have a credit limit of {$15000.00} because of a reason no one knows. Also, it make zero sense that if I went and opened a CareCredit account right now at a XXXX, I would have access to use the account, but you can't give an established customer access to their account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report b  y the   XXXX   XXXX   XXXX   on  XX/XX/XXXX . They (   XXXX   XXXX   XXXX   ) NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with   XXXX   XXXX   XXXX   management, they keep insisting that " customers are not told that their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place.
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Really? Who in their right mind would say YES to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE!
<P/>
  XXXX   XXXX   has now damaged my credit score and now I have to wait before proceeding with my mortgage application until this ILLEGAL mark on my credit report in permanently removed.
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This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the   XXXX   XXXX   must be addressed as the rep on the phone on  XX/XX/XXXX , XX/XX/XXXX  ( and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my 47 years ever hit my credit with a HARD inquiry for a simple, few hundred dollar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at   XXXX   XXXX   XXXX   repeatedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report month ( if not years ) down the road.
<P/>
So, as in my case, TWO hard inquiries were done on my card by   XXXX   XXXX   XXXX   within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a couple hundred dollar credit line increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER BANK {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2100.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXXXXXX XXXXXXXX XXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX - XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$9000.00} POSTED ON XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DISCOVERBANK {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$92000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2100.00} XXXX XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DISCOVER BANK {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$92000.00} POSTED ON XXXX XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX$2100.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXXXXXX XXXX XXXXXXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX - XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$9000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$13000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Debt collection

Repeated calls that we refuse to answer, we do not owe anything to any companies, no past due debts, no outstanding payments. 
They leave messages everyday, they call 2 or 3 times a day. I have called their number and no one ever answers, goes to voicemail. 
This has been going on for 3 weeks + now ...
Product: Credit card

In XX/XX/XXXX, our Menards card through Capital One was denied at our local Menards. Upon contacting Capital One, my wife was told that she could not be given the account balance since her name is not on the card. Thinking the balance was small, my wife sent {$27.00} to Capital One. We had not realized at the time that we had not received a statement since XX/XX/XXXX. Upon visiting Menards today, the card was again denied. I promptly called Capital One and was told I had a {$28.00} balance and could make a {$63.00} payment to settle finance charges. I authorized the payment from our checking account and immediately opened an online account. I then discovered that our balance was {$190.00}, not {$28.00}. I again called Capital One customer service and requested a full record of the account. I was told that the US Post Office had returned our XX/XX/XXXX statement as undeliverable with no forwarding address. WE have lived in the same single family home for 20 years and have not moved. Capital One confirmed the correct address but had not sent a statement since XX/XX/XXXX. I immediately changed to paperless billing and closed the account.
Product: Debt collection

I recently reveiwed my credit file with XXXX XXXX XXXX XXXX and observed a account. With XXXX XXXX acct XXXX XXXXXXXX for collections. The original creditor, XXXX XXXX sold this account. 

In the selling of this debt to XXXX XXXX, with whom I do not have a Proper Assignment contract with. For them to collect this debt under the Fair Debt Practices Act 15 USC 1692g. I request to see copies of the Proper Assignment Contract, and a copy of the Purchase Agreement letter. 

To verify that they a legal obligation to collect this debt on my behalf. If these documents can not be produced as verification. Then I request that this account be deleted from all and any of the XXXX mayor credit bureaus. XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

A copy of this complaint wil also be sent via certified mail, return requested number : XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

I have had a Home Depot Credit Card for three years now. It had a low $ 500limit which I did not mind since I do not frequent Home Depot as there are otheroptions closer. The credit limit was recently increased to {$1500.00} which I did notrequest nor was I notified of. 
I received a letter in XXXX stating that if I do not use the card byXX/XX/XXXX XXXX 2015 they would close my card. Two days after I received the letterthey closed it. I called the same day and spoke to a rep on the phone whosaid they would reopen the card since it was closed early and for me to make apurchase to keep it open. She stated it would take two business days for thecard to reopen. Today, XXXX/XXXX/2015, I tried to make a purchase at the store andmy card was declined. After calling in, they refused to reopen the card. Therewas no notification of the card being closed after I spoke with the rep who saidit would be reopened and she would escalate the issue to her manager. 
Another rep today informed me a manager never saw the issue and they wentahead with the closure any way. 
The embarrassment and wasted time of going in there to shop and get to theregister to have the card declined with no warning. I have other cards that mylimits have been increased, but Home Depot givesme {$500.00} and says that is too much of a " risk ''. Please. I have never been lateon any payments, and I was planning on paying this in full any way. In orderto get a new card, they want me to reapply, which means another hit on mycredit. Not to mention they closed the account so that will hurt my credit aswell. I have had no bad payment history with them and I am not a risk. Theyshould not be able to arbitrarily close some ones account without at telling, or do it prior to the time frame they disclosed. They lied and are deceitful withtheir lending practices.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX