23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX XXXX I did a purchase for XXXX for XXXX through cash app XXXX went back in and updated my payment method on XX/XX/2023 my remainder balance never went back to my card of XXXX after XXXX updated my transaction so I called and talk to multiple supervisor one told me to call on XXXX XXXX so my 7 day hold could be dropped because that was the 7 day period I call yesterday they tell me to call back on XXXX XXXX now I be emailing support at cash app because today was the day I supposed to called as I email cash app today XXXX XXXX at XXXX pm I wrote So why is no one replying to my cash support email? I wrote in there over 3 hours ago Cash app manager XXXX wrote back at XXXX XXXX saying Hi XXXX, We have provided as much information as possible to help you resolve your issue. Were unable to provide additional support and will be closing your case. 

To contact Cash App Support in the future, tap the profile icon on your Cash App home screen and select Support. 

Best Regards, XXXX Cash App Support Manager They closing my case and it never got resolved also on XXXX XXXX XXXX XXXX XXXX words were If the pending payment has not dropped off or completed within 7 days, let us know and we can take a closer look. However, right now we are waiting for this payment to finish processing. 
But when I reached out today XXXX XXXX XXXX stated Were unable to provide additional support and will be closing your case. 

To contact Cash App Support in the future, tap the profile icon on your Cash App home screen and select Support. 

Best Regards, XXXX Cash App Support Manager Without even seeing where my money is and no explanations I had XXXX of cash app workers hang up in my face because Im asking them where is my money
Product: Credit card or prepaid card

I am disputing a charge for {$260.00} that appeared on my USAA credit card for a purchase I did not make. I received no goods or services from the charge. The details of the transaction are included in a letter I sent to USAA dated XXXX XXXX, 2022. I have had numerous calls with USAA regarding resolution of this matter. Basically USAA is stating that either I or a family member did indeed use the card to make the purchase because the purchase was made using a chip card. I am stating that neither I nor a family member used the card to make the purchase for {$260.00}. I have spent several hours being shuffled back and forth between different USAA representatives, all to on avail.
Product: Credit reporting or other personal consumer reports

I didnt approve or did I have the knowledge of these companies inquiring. 
Date : 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
Product: Mortgage

On XXXX XXXX, 2015 my mortgage payment was changed to the proper amount of {$780.00}. It was correct for the months of XXXX and XXXX. I went online yesterday to pay and it is back to {$1100.00}. Ocwen sent me a hard copy which shows {$780.00} due ( hard copy attached ), but the computer shows {$1100.00}. I called and was told I had to pay the {$1100.00} since the computer said that was due or I would be in default. I asked to pay the {$780.00} over the phone and was told that I would still be in default AND I would have to pay an additional {$19.00} use this service. 
I am so completely frustrated at this point. I do not understand why this is so difficult and why my payment keeps changing. They are saying they will " research it. '' Every time they " research '' nothing gets done. This has been an ongoing issue for 8 months! 
The other issue I am having is no one can tell me what the {$1500.00} " escrow account adjustment '' is for. It was taken out of my escrow on XXXX/XXXX/15 which is the day the modification went through. I do not see where it was posted to my new escrow so as of now I am missing {$1500.00}. They keep sending me letters which do not tell me anything or show me where the money went ( attached ). If I can see where you adjusted the money out of my account, why ca n't I see where you applied the money to my new escrow? It does n't add up since Ocwen charged me $ XXXX in escrow to make up for a " shortage '' which I never had. Ocwen has collected monthly for my taxes since day XXXX ( before this modification ) and I have never been short. I want visual proof of where that money was applied, not someone 's word that it was. 
I would also like to know what the " legal filing service '' charges on XXXX/XXXX/15 are for ( there are XXXX of them ). No one at any time advised I would have any filing fees. My understanding of an escrow account is that it is unlawful to use my escrow for anything other than taxes ( and insurance if applicable-but I pay it and they do not ).
Product: Checking or savings account

I am writing a complaint against Wells Fargo Bank. I am a small business owner with my bank account open since XXXX. Since the account 's inception the address we wrote on file had a XXXX mailbox and there were no issues, we were paperless. We had close to {$200000.00} in daily balance for a while until we decided to invest most of the funds last Fall, thereby leaving a small balance of {$5000.00} to {$10000.00} in recent months. 
In recent weeks the bank had asked us to change the mailing address to a physical address, and we simply forgot to do it. Last Friday, XX/XX/XXXX when I login I was welcome with a screen that said {$0.00} balance, I was surprised! we had funds that came from customers the beginning of the year. When I clicked on the account activity I saw a note that said " Account closed due to non physical address ''. I immediately called the bank, I was told on the phone that they could not do anything and that we would receive a certified check in two weeks!!!! That is ridiculous, we have payments coming out of the account this week and we and Wells Fargo has caused a burden and an inconvenience causing us damages in late fees and unnecessary stress, we could sue them. I asked to escalate the issue and ask for an overnight check. It is unacceptable that they take so long to mail us our money. We can not do anything until we receive our funds and we have to delay payments to other creditors which is unacceptable. I demand that Wells Fargo rectify this situation and overnight us a check for the balance on the account and add funds related to damages caused to our business. 

Ps. The bank had always registered my personal mailing address and used it several occasions to mail important documents. Arbitrary closing of our account is not a good practice. They lost us as clients ... I had updated the address on the 5th but I was told the bank could not re-open or reverse the closing of the account... I do not believe it
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not log into my Equifax account after multiple attempts to call them, reset passwords, etc. I'm an XXXX and a technically savvy person who knows how to log in to a website properly. When I try to log in with the correct login information I'm taken to a website that says " Please Give Us a Call ''. Reaching an agent on the phone is difficult and they are not helpful. Because I can't access their website I'm unable to quickly access my credit report and manage my credit freezes. I have a suspicion someone has gained access to my personal information but I can't access my credit report because I can't access Equifax website. I attached a screenshot of the website I'm shown when trying to log in to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly reported inaccurate, fraudulent, and unknown information that appears on my XXXX, XXXX, and Experian credit reports from a company called XXXX XXXX and from another company called XXXX. The most recent letters in XXXX, XXXX, XXXX, XXXX, and XXXX of this year. 

XXXX XXXX is reported as a charge off, then a collection, then closed, then it is reported the same way over and over again each month adding hundreds of dollars to the balance each time it is negatively reported and causing my credit profile and my credit score to drop in excess of XXXX to XXXX points at a time. 

Before the credit reporting agencies and the two companies listed above began incorrectly and illegally reporting derogatory accounts to my credit profile, my credit score was between XXXX and XXXX and now my score is currently between XXXX and XXXX. 

The irreparable harm XXXX, XXXX, Experian, XXXX XXXX, and XXXX has cause me goes beyond irresponsible and life shattering!
Product: Debt collection

In XXXX of XXXX I received a bill for XXXX from military star aka AAFES. I contacted them and was told I would need to provide them with a police report, which I did. I provided two of them actually. One from Michigan state police and one with the sheriff 's department. As I am a XXXX  on XXXX  my movements are monitored ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and also attending a school at the time the account was opened so my where abouts are verifiable ). In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as this is where my charges orginated and I was unable to dispute this until XXXX when they released me again. 
I asked for proof of signature that the goods where delivered to my house ( things are always delivered to wrong addresses there ) but they do not have one. Who sends XXXX of goods with out getting a signature? 
Since then they have told me the police reports don't matter as they have a picture of a door with boxes in front and also because I know my address I am responsible. Also the amount owed has grown from XXXX which they tell me was the maximum credit limit to almost XXXX in XXXX  months!!!!. I have limited resources as I am currently homeless living in transitional housing. They are taking my social security ad well. I have contacted the state consumer protection and they can't help only negotiate. The ftc won't help. I do not know where else I can go. How does an account triple in XXXX  months? I have put fraud alerts out as well. Please help as this is growing as we speak and I can not afford to pay for something I did not order. At its current pace of growth I can not get out from under it ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not ever sign up for a XXXX contract. Nor did I ever consent to an account to be open in my name
Product: Payday loan, title loan, or personal loan

I took out a loan with Big Picture Loans ( a wholly owned subsidiary of " XXXX XXXX XXXX XXXX XXXX XXXX '' ) at the end of XXXX for {XXXX}. I did n't realize at the time that the APR for this loan was a staggering 683.3731 %. I was scheduled to make a total of 13 payments in the amount of {XXXX} every two weeks following the deposit of the funds. So far, I have made a total of XXXX payments in the total amount of {XXXX}, of which only {XXXX} has been applied to the principal balance. The remaining {XXXX} has been applied toward the interest. Since learning that Big Picture Loans is a tribal lender, I was made aware of the fact that this tribal lenders are not licensed to give or collect on loans in the state of Missouri, where I reside.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm assuming that you either didnt receive my letter on XXXX or your just ignoring me, because i clearly noted each and every issue of the accounts that were misleading and unverified I understand that you receive thousands of disputes every day, but your website specifically states " to dispute by mail ''. At this point, i really need to see something that proves there was an independent investigation and that you didnt just toss my letter in the trash. I expect a quick response at this point with the items i deemed unverified deleted since you are in violation with it being over 60 days with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a judevent that has been removed from all other XXXX and XXXX. The account is also over 7 years old.. I have spoke the customer servicell also. customer service would not help and take care of the negative reporting to my credit report.
Product: Debt collection

I have reached out to the company to resolve this matter as this debt does not belong to me and I have no knowledge as to whom it belongs to.
Product: Credit reporting or other personal consumer reports

XXXX Mailed Letter XXXX Mailed Letter XXXX Mailed letter XXXX Mailed Letter Called by Phone - provided confirmation Numbers XXXX Letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting Military Star due to false late payments on my account. This false and incorrect reporting is affecting my credit negatively. Military Star has incorrectly reported late payments on my consumer file for XX/XX/XXXX and also XXXX and XX/XX/XXXX. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 states I have the right to privacy, 115 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 b " A creditor may not treat payment on a credit card under an open-end consumer credit plan as late for any purpose ''
Product: Credit reporting or other personal consumer reports

My XXXX information was stolen, lost a good amount of monies which I depend on my housing payments and other need my children needed
Product: Debt collection

I was contacted by Columbia Debt Recovery LLC DBA Genesis via telephone after they made a report to my credit that I was in collections for {$10000.00} owed to XXXX XXXX on XX/XX/2023. I then requested that they forward me an itemized report because I only owed half of what they were claiming they were recovering. Columbia Debt Recovery then proceeded to email me a false ledger with an incorrect amount owed. I asked that they discontinued contact with me until they could correctly verify the amount that they say I owe, they then proceeded to call my cell phone number numerous times daily. I contacted XXXX XXXX myself and confirmed that the amount being requested from Columbia Debt Recovery LLC was incorrect, XXXX XXXX then proceeded to email me the detailed ledger that they had on file with their contact information for anyone who was trying to collect. I forwarded the information to Columbia Debt Recovery again and requested that they adjust the amount owed. I am now concerned that this is a fraud company that is trying to scam me out of paying them a large amount of money that I do not owe.
Product: Credit reporting or other personal consumer reports

I have been trying to get these unauthorized inquiries removed for the last few days, but they are no available. They were unauthorized and fraudulent. Please help me remove them from my consumer report. I was told to submit a complaint to the CFPB because you could help me. I have sent in my FTC report and other documents proving this isn't mine. I didn't authorize this. These inquiries are damaging my credit score and keeping me from getting new credit ; I am looking to apply for new credit products as we speak. 

These inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX 2015, I paid in full a medical bill on my husbands behalf. While on the phone, the agent stated there was a second bill and collected as well on that account. In XXXX 2015, I discovered the second bill she collected on was not my husbands. Same name, but different states, different birthdates, and different social security names. I have been trying for over XXXX weeks to get a refund of the money I paid to another individuals bill. I have sent in a copy of my husbands drivers license to prove it is in fact not him, copies of the payments I made, and have made countless attempts to talk to a supervisor. No one will return my calls or let me speak with a supervisor. Not only have they given me demographical information for another individual which violates HIPPA, but have been neglectful to correct a situation that they caused.
Product: Credit card or prepaid card

My cash does not appear on my card after I placed XXXX dollars on it.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an erroneous credit report entry but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included these issues in my previous complaint & FTC report, and I am including it again here in the new FTC report. Ive informed my attorney of my intentions & they are excited to hold you accountable in an event of your willful noncompliance : 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 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 XXXXXXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit card or prepaid card

I had a XXXX balance on my Barclay US card, and reported several disputed charges from XXXX. 
I called several times about this matter already, and was told that I am not responsible for any payments. 
The card statement now shows as late with added interest and penalties, which is wrong and unacceptable. 
I've wasted several hours of my time trying to get your customer service to resolve this. 
If any damage is made to my credit report, I will be filing action against you. 
Please just close the account with XXXX balance.
Product: Debt collection

After several attempts to get information about fraud on my XXXX XXXX card it was sent to collections of a agency called Admin Recovery. When an attempt to get this removed from my records due to fraud on the card previously wasn't getting anywhere. Credit limit on the card is only {$8400.00} and their saying owed is {$11000.00}. Now lately been being a bit harassed multiple times a day each week on a debt I feel is inaccurate and should be taken off my account records.
Product: Credit card or prepaid card

I accrued charges for XXXX  XXXX  in excess of {$8000.00} last XXXX and have been making regular payments since then. The charge, on a promotional offer, was advertised to be no interest accruing for 24 months. Finally, after making payments well over the minimum, and at times more than once per month, I got the balance down to {$910.00}. My last payment was made on XX/XX/2020 in the amount of {$320.00}. When I made that payment, the amount due ( as shown on my account information on their website ) stated that no payment was due. Since I wanted to pay this loan off, I made the {$320.00} payment anyway. To my astonishment, when I logged on the website today to view my balance, I saw they charged me a late fee of {$29.00}. Immediately I called the customer service number provided but a voice recording said the wait time would be in excess of 30 minutes due to a large call volume. I wait on the phone for a few minutes but hung up. Instead, I wrote a message to them regarding this matter but it is probably too soon to get a response. For the life of me, I don't understand how they and other financial institutions like them are allowed to continue these deceptive and unscrupulous practices. We can do better as a nation! Finally, I want to add that this isn't the first time it's happened with CareCredit. A few months ago, the same thing happened. On that occasion, I called and got the charge removed. My concern is, I shouldn't have to check to see if I am being fleeced by them!
Product: Credit reporting or other personal consumer reports

I am writing to address a significant discrepancy regarding the reporting of a debt on my credit report. After reviewing the information provided by CAPITAL ONE, it has come to my attention that the account in question, which was listed as opened on XXXX XXXX on XXXX. But on XXXX and XXXX credit report its listed open on XX/XX/XXXX. However this account was originally opened XX/XX/XXXX. Furthermore, the original last payment received for this account was on XX/XX/XXXX. With XXXX its listed account was closed XX/XX/XXXX. XXXX date od closer is on XX/XX/XXXX. XXXX on XX/XX/XXXX This discrepancy suggests that the debt has been inaccurately re-aged.

As per the Fair Credit Reporting Act ( FCRA ) U.S. Codes, it is essential that information reported on a consumer 's credit report is accurate and reflects the true history of the account. Sections 1681s-2 and 1681c of the FCRA outline the responsibilities of furnishers of information and prohibit the reporting of outdated or inaccurate information, including the re-aging of debts.

Section 600.5807 of the Michigan Compiled Laws outlines the statute of limitations for various types of debt in Michigan. Here 's a breakdown : 1. **Contractual Debts** : For debts based on a written contract or agreement, such as loans or credit card debt, the statute of limitations is generally XXXX years from the date the cause of action accrues. The cause of action accrues typically from the date of the last payment made on the account or the date of default, whichever is later. 

2. **Open Accounts/Unwritten Contracts** : This section covers debts without a written contract, such as credit card debts where there's no signed agreement. The statute of limitations for these debts is also XXXX  years from the date of last payment or default.