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

Cash App said I violated their terms of service Acceptable Use Policy., in which I did not violate to my knowledge, all I did was dispute a fraudulent charge. Then the money was refunded. After that I was banned from using cash app. Every time I try to create new account they automatically close it out. Due to the acceptable use policy violations, Which I did not to the best of my knowledge. 
The charge which was from XXXX XXXX was from a foreign company, I did not know this at the time. I never received my merchandise from this company, so the charge I disputed. Was then refunded by cash app, its like cash app doesnt bother to believe me. They instead believe the company which wasnt a legitimate Company. They had me banned from ever using cash app again which I relied upon for my XXXX benefits and monthly bills and peer to peer payments between my family members, I have never did anything wrong, I even called cash app directly that seemed t like they believed me then I even called to verify my identity with then before I spoke with a supervisor, which my identity and account was verified. They said they would reinstate my acc Ant reimburse the money, for the item I never received. After this I was banned permanently. I would like to be able to use cash app because there isnt many app s like cash app. I mean I relied on this app daily. XXXX XXXX in a XXXX XXXX XXXX XXXX And cant get to regular bank branches, due to health concerns, so this cash app was really helpful and handy for my financial needs. I really need to Ibe able to use this app, because of this. I want cash app to let me open a new cash app account and I need an apology because. I dont know of any terms that were violated, if it was I wasnt aware of the term at the time, I mean this is discrimination. Because XXXX XXXX I even told them cash app all of this and they want provide me anything an answer or reason and they are rude and unkind and unprofessional, I need this account thanks for your understanding and patience.
Product: Money transfer, virtual currency, or money service

As a XXXX  state employee had the unfortunate experience of dealing with Golden 1 Credit Union. Today I spoke to XXXX. I explained to XXXX ( and multiple other mangers in this institution ) that back in XXXX I asked them to place a stop payment on a creditor that I had hired an attorney to help me with. MULTIPLE times they said that they could place the stop payment from this creditor. After completing all of the suggestions recommended by this banking institution. NOT once did it work. Then they tell me that after they filed a claim on my behalf that I an essentially out of XXXX dollars. Also still not trying to accept responsibility for their FAILURE with the stop payments. Horrible attitude on this guy, no compassion, even tried to justify their failure. I mean cmon where is the customer service on this planet. As I have stated previous if the stop payment was effective I wouldn't need to talk to ANYONE ELSE!!! Go figure right??
Product: Credit reporting, credit repair services, or other personal consumer reports

Stolen identity credit card open in my name on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Attached is a copy of police report
Product: Debt collection

I have contacted the company in writing and on XXXX to verify this debt which they have not! It says originally from XXXX and I have had XXXX for the last 9 years so if it 's accurate it 's way old. They will not contact me back. I have even emailed and called to say I would like to resolve it and instead of contacting me they have now made it a charge off on my credit! It 's a very small amount of money and I would like it off my credit! I feel as though they would rather ruin credit than resolve issues! I 'm a single mother trying to purchase a home for us and this is causing problems for me over {$500.00}.
Product: Money transfer, virtual currency, or money service

XXXX XXXX Sofi Bank XXXX i used as a saving account and checking account getting direct deposits. They stop allowing me card access with digital card with no reason that made sense. Then i just used them as a savings account .i saved {$6700.00} i tried numerous times email and calls in regard to account. I transferred XXXX to my external account XXXX XXXX XXXX separate transaction, XXXX, XXXX, XXXX all back-to-back transaction same date min after each one.to remove funds. the XXXX went into the external account, all except the XXXX in which they lied and said i request funds from the external account, i request all transactions they never sent and closed my account before i could pull them. Its fraud .and XXXX felt because i work hard to save funds. And allow them to ignore and steal my money.. 

Please assist.
Product: Credit card

On Friday, XX/XX/scrub>XXXX XXXX I tried to purchase a dresser from XXXX using my Afterpay account. XXXX 's website froze up and the order did not go through. AfterPay charged my card {$15.00} ( AfterPay order detail # XXXX ) even though the purchase did not go through. I placed a second order with XXXX for the same item and that order did go through and Afterpay charged my card again in the amount of {$15.00} ( AfterPay order detail # XXXX ). I immediately tried to call AfterPay to explain what happened and they do not accept phone calls. All communication has to be done via email. So, I sent them an email explaining what happened and their response was that XXXX needs to cancel the order and they will not issue any refunds until they do so. XXXX can not cancel an order that does not exist. I tried explaining that to AfterPay and keep getting the same generic response from them. I even sent them a screenshot of the communication from XXXX stating that only one order was placed -- not two. Copy of email below. They are holding funds for an order that does not exist and refuse to issue the refund. 

XXXX XXXX From : XXXX To : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX we only have one order the order number is XXXX XXXX XXXX XXXX XXXX  we only have 1 not 2 orders -- XXXX XXXX XXXX Associate Pronouns : XXXX XXXX XXXX XXXX XXXX Headquarters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX United States XXXX XXXX : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize the company AFNI , Inc. date reported XX/XX/XXXX for the amount of XXXX. 
XXXX XXXX is saying owe the same amount as XXXX.. I don ; t agree with these action and believe it needs futher investigation. 
dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of the amount show XXXX.
Product: Credit reporting or other personal consumer reports

noticed unfamiliar inquiries on my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Navy FCU XX/XX/XXXX
Product: Debt collection

This debt was cleared in chapter XXXX - they have been told repeatedly since they started calling me after I completed chapter XXXX in XX/XX/XXXX/XX/XX/XXXX that it was included and it was illegal for them to try and collect. They have harassed me on and off since and would stop when I threatened legal action last year. Now they have reported to my credit report
Product: Debt collection

I.C Systems Inc has been kicked off my credit multiple times and continue to ruin my credit saying I owe for a old modem for XXXX, they have been continuing to herass me and and ruin my credit for something I have never had!
Product: Credit reporting or other personal consumer reports

I contacted TransUnion dispute department on XX/XX/XXXX to ask about an account status that was reporting inaccurately, it is reporting as an open account when it should of been removed from my credit report XX/XX/XXXX. TransUnion proceeded to tell me to contact the creditor of that account, which I did and they stated they do not see any account active under my name, date of birth, or social security number. I called TransUnion back again that same day XX/XX/XXXX and the representative told me there was nothing that could be done. I simply can not accept that, this account is becoming detrimental to my credit health and I am trying to prepare myself to purchase a home when i return home from my next military XXXX. I would like this inaccurate reporting to be fixed as soon as possible so that my life can get back on track. I have included here a copy of my credit reports from XXXX and TransUnion. My Experian credit report is reflecting the true status of this account which is removed from my credit report as of XX/XX/XXXX. If TransUnion is stating otherwise i would like to request sufficient proof of this because as I mentioned the creditor which is XXXX XXXX was not able to give me anything nor were they able to pull up any account in my name. I understand there are laws in place that ensure that bureaus only report XXXX XXXX accurate information on consumer reports I would like that to be that case with my report too. I am submitting this complaint in hopes that something can be done to correct this error because I find it to be very unfair that I have not been able to recieve any help with this issue thru other methods of communication. Please help me!
Product: Credit card

Commenity Bank aka Biglots, has dropped th ball on so many things it hard count. They left me hanging and were glad to charge the interest after they didn't effectily notify me of the interest that I would be charged.
Product: Checking or savings account

I had a Wells Fargo account in XXXX XXXXXXXX that i closed but I was not able to file a claim form for the settlement that I should have been apart of. I believe Wells Fargo owes damage fees to me.
Product: Credit card or prepaid card

I purchased a bike with my Discover Card in XX/XX/2017 for about {$530.00}. I was encouraged to use my Discover Card because they have a program offering insurance for products that are damaged, stolen, or destroyed at any point within a few months of the purchase. 

My bike was stolen in mid-XX/XX/XXXX, just over two months later -- my house was broken into and two bikes were stolen. I filed a police report. I do not have renters insurance because I could not afford it where I lived. Discover Card told me that they were rejecting my insurance claim because the policy does not cover " used goods. '' I purchased the bike used, but it is fairly easy to assess the value of the bike, because both used and new bikes are well-understood consumer goods in an extraordinarily competitive market that has been around for about 130 years. 

The bike would have cost $ 2000-3000 new, and I didn't think it was a huge steal at {$500.00}, but I also didn't think it was, by any means, expensive. I cited as examples of the value the fact that a new groupset ( drivetrain, brakes, and shifters ) of that caliber would cost way more than what I paid for the bike, and, plus other components, it ended up being a good deal. 

The insurance policy was not outlined clearly in Discover 's terms, and they had a third-party insurance provider, XXXX, which was VERY difficult to work with. THEIR underwriter, in turn, XXXX, opened a case to look into it but never followed up and I was unable to reach them after that. I appealed the initial denial to both Discover and directly to XXXX and no one ever got back to me except to say that my claim was unequivocally denied because the goods were used. Beyond the fact that these are stupid terms in the first place, I'm unclear on why the denial happened. 

I'm not a high-income individual. I use a bike to get around because my car was totaled in an accident and because insurance in XXXX is outrageously expensive, I couldn't afford collision, so now I take the bus. I am trying to pull myself up by my bootstraps, like XXXX XXXX and them say I should, but this is the sort of predatory and dishonest practice that you guys should be going after. 

Thanks for taking the time to consider my dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX Your Name XXXX XXXX XXXX XXXX XXXX XXXX ) married XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX National Credit System XXXX Naturally XXXX XXXX XXXX, Ga XXXX XXXX RE : Account # ( XXXX ) To Whom It XXXX Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Product: Credit card

Approximately XX/XX/XXXX I discover an unauthorized charge of {XXXX} to XXXX XXXXXXXX XXXX  on my XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for XXXX days XX/XX/XXXX to XX/XX/XXXX. I immediately contacted XXXX who closes the account, removes the unauthorized charge and issues me a new charge card. I notice in my statement dated XX/XX/XXXX that the charge is reinstated and I receive a letter dated XX/XX/XXXX that XXXX is referring this transaction to a dispute specialist. I them received a letter date XX/XX/XXXX that concluded the transaction is not fraudulent. 
I receive a call on XX/XX/XXXX from the Dispute Department at XXXX saying I am being held responsible for this charge of {$XXXX}, primarily because I was in XXXX XXXX at that time and my email and phone number was used and credit card was used. 
My communications to XXXX included an email XX/XX/XXXX stating I contacted XXXX for a refund. On XX/XX/XXXX I send a letter to XXXX detailing my attempts to get a refund from XXXX because no-one showed up for the reservation. On XX/XX/XXXX I send another letter to XXXX with proof that I stayed at XXXX XXXX  during this trip to XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX FREE. On XX/XX/XXXX I send another letter to XXXX enclosing a copy of my Boarding pass from XXXX to XXXX XXXX arriving at XXXX am PST ( XXXX HST ). The reservation for the {$XXXX} was made on XX/XX/XXXX at XXXX HST. I am already in XXXX XXXX at XXXX HST so I could not possibly have made this reservation with XXXX. My next letter to XXXX dated XX/XX/XXXX informs XXXX that XXXX has refunded XXXX  all monies except for {$XXXX} a one night no-show fee. On XX/XX/XXXX I send a letter to dispute the decision made by XXXX that this was not fraud. 
I receive a letter today dated XX/XX/XXXX from XXXX stating that this was not fraud and I am liable for the {$XXXX} and it is now due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Mortgage

Once again Ocwen Loan Servicing is failing to apply my payments to my account correctly. In XX/XX/XXXX I filled a complaint to your department against Ocwen, and they sent you 're a copy of my Deed of Trust, and other that did not pertain to the nature of my complaint. In late XX/XX/XXXX your department fined Ocwen for a lot of servicing violations, but I am here to file another complaint because Ocwen is up to their old tricks again. 
On XX/XX/XXXX, I received a notice from my Chapter XXXX trustee because I was near the end of my Chapter XXXX. The letter from Ocwen 's attorney stated that I was contractually due for my XX/XX/XXXX and XX/XX/XXXX payments in the amount of {$3600.00}. They also showed a suspense balance of {$470.00} which reduced the amount that I allegedly owed to {$3100.00}. 
I immediately paid the amount of {$3100.00} to Ocwen, and Ocwen accepted the payment. Afew weeks later I called Ocwen to follow up to see if I was contractually caught up as the attorney letter stated, and I was informed that I was past due for {$470.00}. I contacted their Officer of the Consumer Ombudsman, and asked them to look into the matter. 
I was contacted back by XXXX XXXX who informed me that Ocwen had no record of a letter sent to me by their attorney, and that I was still past due for the {$470.00} to bring me contractually current. I am attaching a copy of the letter from the attorney. Once again Ocwen is up to their old tricks. I have the document why do n't they have it.
Product: Debt collection

Collection is not from original creditor. I.C. SYSTEM, INC at XXXX XXXX XXXX XXXX XXXX, XXXX. Has been sending me collection notices in the amount of {$960.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit card

I made a payment on my care credit card early like always got a text saying payment received with a reference number but get an email saying I have a past due amount and my card has been closed. The first call I made I was told that my payment made XXXX was received but I still had a payment due of XXXX so I paid it but I remembered the text so called back was told no payment received. Tried to tell the lady my payment was received then asked why my account was locked she said it was closed because of one late payment which I paid on the XXXX of XXXX. I was so madi just hung up. I can't even set an account up when I try it says invalid email they have tried sending me the link and it still won't let me. I'm so upset I do not want this to effect my credit scorei have other credit cards And never have a problem with them please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Experian credit monitoring services began billing by credit card {$19.00} as a recurring charge. I made multiple attempts to contact Experian regarding this charge. I have made no purchase from Experian. However, Experian clearly puts up barriers to customer contact. No chat or email options are offered and, the phone number provided sends the caller to a robot menu. The robo system allows no option to speak with a human being. Instead, it just eventually ends the call. 
One option provided in the robo menu is " cancel membership ''. Although I never signed up for a membership, I have repeately selected the " cancel '' option. When I do so, the robot tells me that I have no membership. 
I reported the fraud to my credit card issuer ( XXXX XXXX ). My account was frozen and a new card was issued. Then, on XX/XX/2020, the fraudulent charge of {$19.00} appeared on the new credit card account. I have again had to freeze the card, and request a new card number. Clearly, Experian will continue to fraudulently charge this account regardless of how many times I change card numbers. 
This is clearly intentional fraud on the part of Experian.
Product: Payday loan, title loan, personal loan, or advance loan

I signed up for easypay at a mechanic. I was not fully made aware of the costs of my repairs and what they would be at first, essentially leaving me in a situation where I could not afford the payment or they would not release my car. They told me they use easypay. I signed up for easypay, but due to XXXX at work I could not make a payment to discharge the debt at 90 days. They tacked on massive amounts of interests, that essentially is now unpayable. The interest rate of 141 % APR is very unfair and predatory. I've already paid {$300.00} towards interest, which is absurb in such a short amount of period.
Product: Vehicle loan or lease

I involved in a traffic accident on XX/XX/XXXX XXXX. While I was continue to pay the installments of the car, lender suspended my account and started to add amount to my loan every month. I tried to reach and learn about my account status many times but it is impossible to take a response about my loan. They dont provide interpreter and dont ssnd the information written. They hang up the phone while waiting for the rsponse. I sent them message via app, they never give a respond. The insurance company will pay the car and they give an incredible pay off amount to the insurance company which left me with a huge debt. My debt on XX/XX/XXXX was {$16000.00} My debt on the app now XX/XX/XXXX. {$19000.00} They give pay off amount 45 days ago {$35000.00}
Product: Credit reporting or other personal consumer reports

since XXXX i have been trying to remove these accounts that where opened by my father who has the same name as me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. These are the names that appear on my credit reports 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not fumish an account without my written introductions