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

I was a customer with CashApp. There were XXXX fraudulent charges that were posted to my account. I contacted the company via an online messenger. There was no phone number to call and there was no option to talk with a live person. I asked cashapp via the messenger to look into the matter as it had taken the money that was in my account and put my account into overdraft. 2 hours later I received a notification saying there was a final result, however I was unable to access the final results as there were no instructions on how to access them. There was no option to call or talk with anyone to get assistance. My account remained in overdraft. I ultimately removed all cards and accounts linked to cashapp and deleted the account. There was no option to deactivate my account while in overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

All hard inquiries from XXXX and XXXX were not done so with my permission.
Product: Debt collection

Please be advised that XXXX XXXX XXXX has reported a debt in the amount of {$2100.00} to my credit through rhe collection company Bay Area Credit Services. I NEVER was informed about the debt in question by XXXX XXXX XXXX and I DO NOT BELIEVE THAT I OWE it. I had a XXXX on XX/XX/2021 and was transported to the hospital via ambulatory services, however my health insurance through my employer paid all parties involved. I contacted XXXX XXXX XXXX and informed them that I never received any notiification of this debt and reiterated that I had medical insurance that would cover the costs so I don't know why this account was never brought to my knowledge and how it was sent to collections without even attempting to collect the moeny that was due. The representative, " XXXX '' informed me that they had the wring address listed after I confirmed my address. I went on to provide her my insurance provider 's information ( which they already had..she confirmed ) as well as my XXXX XXXX XXXX. I also will like to mention that I never signed any documents with XXXX XXXX XXXX that gave them permission to report anything to a third party agency so I also believe that my HIPPA protection laws have been violated .I also have repeatedly called and sent written notifications to Bay Area Credit Services , but i haven't received a response. They reported this debt without notifying me that it existed and placed it in collections and this collection is still reporting on my credit and it has hurt my reports tremendously. I would like this debt removed permanentely and immediately or I will have no choice, but to seek legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a complaint dated XX/XX/2023, I complaint against these accounts : XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$42000.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$45000.00} It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof. I included these accounts in my last COMPLAINT and I hope that the accounts ' erroneous status will be fixed. Consider this as a follow-up complaint in line with my previous endeavor.
Product: Debt collection

The reason of this letter is that my credit is being extremely affected. I am very surprised and concerned by your actions. I need you to take this matter seriously, and send me a response. 

MEDICREDIT, INC is not acting correctly. This company has been committing the following violations : 2. Unfair business practices. 
3. Re-aging account 4. Reporting discrepancies across bureaus. 5.  Failing to mark account as disputed. 
6. Failing to provide fair customer service. 
7. Negligence. 
8. Breach of contract. 

I am demending the removal of the following item from my recrods : Medicredit. Account # XXXX, opened XX/XX/2020, high credit {$230.00}. 

Please send the attached documentation to Medicredit. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX University from XXXX and had student loans for tuition through XXXX, serviced by XXXX XXXX Student Loans from XXXX through XXXX. In summer XXXX ( XX/XX/XXXX ), XXXX switched servicers from XXXX XXXX to XXXX Student Loans. At that moment in time all student loans ( different years / semesters ) were paid on time and paid ahead. All payments from XXXX to XXXX were made on time and for an amount above the minimum payment required resulting in paid ahead balances. XXXX had different privacy policies than XXXX XXXX that I was not familiar with. In the communication from XXXX, I was told my accounts, login ID, passwords would not change. And that was true. I continued to login with the same ID and password and make the same monthly payment as had been for the past 10 years. In XXXXXX/XX/XXXX, XXXX reached out saying I did not make a payment on my student loan. I checked my bank account and money transferred from my bank account to XXXX for the same amount as had been for the past 10.5 years. XXXX / XXXX reported this to the Credit Agencies taking my Credit Score from just above 800 down to about 710. Eventually, XXXX and I were able to determine that XXXX had different privacy settings than XXXX XXXX and that had led to the payments ( {$600.00} per month for 10.5 years ) to not be applied in the same manner than XXXX XXXX had applied them. This caused one of the loans to not be receiving part of that {$600.00} payment. The remainder of the {$600.00} payment I continued to make was being applied to paid ahead balances on the other loans while letting this one loan go into default. Through all of my communication with XXXX they agreed they were in error and would fix this. However, it was never done. I was continually spun in circles. It was eventually escalated to XXXX executive offices ( XXXX ) who did a review and said that I never made a payment on that loan and therefore it was in default. Subsequently, the following month I made the same {$600.00} payment and the {$850.00} balance of the loan went to {$0.00}. XXXX moved paid ahead balances from other loans to that loan to pay it off and then close it. I did not request XXXX to do that action. When I followed up with XXXX to ask how that happened the service representative was not able to explain how it happened and said that it shouldn't have. If XXXX had that capability then why would they have not done it before putting the loan into delinquency. I have been in communication with XXXX and XXXX for the past three ( 3 ) months and have continued to just be spun in circles. I don't know where to turn to at this point.
Product: Checking or savings account

In 2008 I opened a wells Fargo account and my money just flew within a month XXXX was gone
Product: Debt collection

i received a SETTLEMENT OFFER FROM CONVERGENT OUTSCOUCING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX CONVERGENT ACCOUNT XXXX AMOUNT XXXX OFFERING SETTLEMENT XXXX SPOKE WITH REP WHEN I ASKED FOR WHAT ADDRESS THEY ARE SHOWING SHE STATED ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I EXPLAINED TO REP I FILED AN IDENTITY THEFT AFFIDAVIT AND A POLICE REPORT WIHT XXXX POLICE XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ON XXXX THE REP AT COLLECTION AGENCY SAID SHE WAS SENDING ME A FRAUD ALERT PACKET I ALSO CONTACT XXXX ANS XXXX THEY DONT SEE THIS ANYWHERE ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$4900.00}, {$6300.00}, {$7800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 I received 2 inquiries from Capital One and I have never applied for any credit cards or auto loans through them. They couldnt even produce an application showing I applied with my correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the outcome of my investigation. XXXX could not validate any findings with XXXX XXXX and XXXX XXXX so the accounts were deleted off my consumer report, however XXXX has verified it without a FCRA investigation according to the law. If XXXX can not verify how is it possible that XXXX can. This account is not being reported XXXX percent accurate therefore needs to be removed. I have requested a method of verification and in return I received nothing,
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to incorrect items I found on my credit report, it has been well over 30 days and I have not received any proof of investigation results.
Product: Checking or savings account

I made a payment of {$600.00} through XXXX with my checking account at Chase which turned out to be a scam. The seller never send me the merchandise ( electronic concert ticket ). 
I called Chase in about 30mins after I made the transaction, while both the bank transaction and XXXX transaction were still in pending status. The first Chase representitve on call promised me a temporary refund of {$600.00} on my account but later when I made another call they refused that which confused me. Chase said they would investigate into it but the refund would not be guaranteed. 

Amount : {$600.00} Date : XX/XX/2022
Product: Debt collection

My complaint is based on a single issue, Bank of America collected on a debt they had already written off for tax purposes. 

The submission process forced me to pick the " best answer '' and that was that the debt was written off in bankruptcy and not owed. That's not correct, but the submission process for forces and answer and it was the best match. 

I filed a complaint before with all the details ( XXXX ). The bank would not reply to me on that complaint. So I filed a second complaint ( XXXX ) regarding their unwillingness to respond. BofA did respond to that complaint and indicated the representative handling the first compliant was removed from her position and that my correspondence was sent to an old postal address that was not included as my contact information for the compliant ( but they had my phone and email correct ). But based on the second complaint it did finally get the details from the first complaint. It outlined in detail why the bank was allowed to collect on a secured loan that went through bankruptcy. Of course they are - that wasn't the point of the complaint. The assertion, again, is that BofA collected on a loan they had written off for a tax loss. 

The reason for my assertion- as was stated in the first complaint, was that the first BofA representative I spoke with spent quite a bit of time looking for my loan which was not displaying based on account information. After careful research using my SSN, she very clearly - and without any confusion- stated that she had found the record and that it had been written off for tax purposes and that " it could not be collected on '' and that she just needed to send the request to have the lien released. 

The bank later cancelled the lien release and stated that they were going to collect the unpaid balance. This process began in early XX/XX/XXXX. They did not provide a payoff until XX/XX/XXXX. It took them almost exactly three full months to provide a payoff amount. That is ridiculous amount of time to provide a payoff amount. 

To repeat - the assertion is that BofA collected illegally on a debt that had already been written off. That is the only assertion - collection of a debt written off for tax purposes- as was clearly explained to me BY THEIR REPRESENTATIVE.
Product: Checking or savings account

On XX/XX/2024 posted to my account on XX/XX/2024 I got charged a {$4.00} fee for using the ATM. I have been with Navy Federal Credit Union for years and when I first decided to switch all my money to this banking institution I was told I would never get charged an ATM fee with my account I got. Well on this day the first time ever using an ATM because the place I had ordered food didn't have the credit card machine working so I needed cash, I got hit with a total ATM fee of {$4.00}. I tried to contact Navy Federal about this fee but now they are telling me I don't got the correct account for the free ATM fees to be waived so there nothing they would do for me, even after telling them when I first signed up to join their bank in person I was told I would never have to worry about this because the first few times a month all ATM fees are waived, but now after getting hit with the fees they tell me it not their fault it mine because I picked the wrong accounts even though I listen to their banks rep 's when joining their bank on which accounts to choose. I included a statement showing I got charged {$1.00} from XXXX bank and {$3.00} from the other for a {$40.00} take out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis, I HAVE REPEATEDLY REQUESTED DIRECTLY IN WRITING, ONLINE, EMAILED AS WELL AS MAKE PHONE CALLS TO LexisNexis, in order to opt-out of public reports to all companies and consumers, discloser of my clue choice point and LexisNexis products XXXX 
And for LexisNexis freeze my personal report. 
I am a victim of ID THEFT. 
My life has been threatened by law have the right to privacy under the said above legal circumstances! 
The Federal Trade Commission has a report concerning my personal LexisNexis report. 
and all Law Enforcement agencies.
Product: Credit reporting or other personal consumer reports

Loan XXXX follow up XXXX XXXX has not update my experian credit report to remove late payment for XXXX and XXXX XXXX days during that time I filed a borrow assistance XXXX  form I understand I was late but when a consumer is on a work out process the lender or servicer don't suppose to report late or any legal action. And the credit breau reporting do t suppose to report any missing payments even if you were late
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  # XXXX # XXXX # XXXX have violated my rights 15 u.s.c 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681 section 602A states I have the right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX. 
Closed on XX/XX/XXXX XXXX  Closed on XXXX XXXX, XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX {$80000.00} Reported balance XXXX XXXX  XXXX Last reported XX/XX/XXXX {$20000.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I started a modification in XX/XX/2020 with Mr. Cooper. They put me on a trial payment plan and then I experienced a hardship because of the pandemic and coronavirus.. mr. Cooper contacted me and advised me that theres options to have a forbearance program which I can defer payments up to 18 months. They promised me and assured me that after the modification and forbearance is done theres going to be a payment option available so I dont have to pay a lump sum payment.

For the last 60 days Ive been going back-and-forth with Mr. Cooper because theyre sending me notices saying that I have to pay {$46000.00} upfront for the deferment? 
Ive spoke to multiple representatives there and they assured me and promised me and the phone calls have been recorded on their line saying that they would help me after the payment plan relief program is over due to the coronavirus pandemic. Now theyre telling me that the investor will not allow me to modify my mortgage since I already had a modification started in XX/XX/2020 they are expecting me to pay {$46000.00} upfront as a lump sum payment or I have to face foreclosure. This is not right I feel that Ive been taken advantage of based on poor customer service and horrible advice from Mr. Cooper. I have a XXXX XXXX home mortgage conventional loan and I need help! Please have someone call me as soon as possible at XXXX
Product: Credit card or prepaid card

I have an account with carecredit. Made the monthly minimum payments on time. Had about {$700.00} left to pay. I get a bill, says I owe {$1000.00}. I didn't even use the card. Carecredit tacked on {$300.00} to my payment without my knowledge. Said it was because I didn't pay all the bill in there " promotional period ''. What promotional period? No one ever told me there was a promotional period. Carecredit never told me they had that. Also it tripled my minimum payment. This is what they told me over the phone. They were very rude, & misleading. Gave me the run around. Then I was told they would never do it again. Next month I get the bill. Another {$150.00} added to my bill. I call again. Another one of there supposed " promotional period '' thing. They lied & never told me there would be another one. That's twice they did that. That was {$450.00} added to my bill that I never even used or made any purchase for that amount. Now I'm behind over {$1000.00} cuz of late fees & this promotional garbage. I can't pay this. I've closed my account with them but still they keep on adding & adding money. All they care about is money. I need help. Please help me.
Product: Credit card or prepaid card

My sister is getting credit cards under my name and is charging them. I did not authorize this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to correct a problem that I am not getting help with. There is a Fraudelent address on my credit report and it needs to be investigated. I have spent about three years trying to get this resolved, with about four letters to Equifax resulting in Zero results and this is -UNFAIR-to have a company reporting false information. The Fraudelent address is ; Equifax XXXX Former Address XXXX XXXX XXXX XXXX ARKANSAS XXXX- I have never lived in Arkansas . Then there is a second address that is not mine of ; Equifax XXXX Former Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX WISCONSIN XXXX-I have never lived at this address.
Product: Credit reporting or other personal consumer reports

This company has been reporting fraudulent account XXXX on my profile I been the victim of id theft Ive filed police report and id theft XXXX XXXX XXXX and XXXX XXXX XXXX and over 49 inquires this had been goin on for over a year this company need to be held accountable of the federal violation of laws that have been broken
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX collection on my credit report. I have disputed this multiple time with all credit bureaus and it comes back as verified. Meanwhile whenever I ask the credit bureaus how was this account verified they are unable to send me the method of verification all they sent it a payment history. This account has different status across all three bureaus. I need this charge off account to be deleted off my credit report. XXXX XXXX and experian have been violating the fair credit reporting laws with this charge off account I need it to be removed
Product: Checking or savings account

Didnt get my paycheck. Still waiting on it. Moved to a new apartment, and might already get kicked out because I cant pay rent, bills, buy food, buy dog food, or anything, because capital one will not give me my money. Called to redirect my deposit and close my account and was told they cant do that at this time.
Product: Checking or savings account

On XX/XX/2023 at XXXX XXXX I WENT TO NAVY FEDERAL TO DEPOSIT {$180.00} IN CASH AT THEIR OUTSIDE ATM. I RECEIVED AN ERROR MESSAGE STATING THERE WAS A PROBLEM AND THEY COULDT DEPOSIT THE {$180.00}. THERE THEN WAS AN ERROR MESSAGE RIGHT AFTER THAT SAID THEY COULDNT RETURN THE CASH. THE ATM MACHINE GAVE ME A RECEIPT THAT SAID WE ENCOUNTERED AN ISSUE RETURNING YOUR CASH, PLEASE CONTACT YOUR FINANCIAL INSTITUTION IN WHICH I DID THAT EVENING. THE {$180.00} WAS RETURNED TO ME AFTER 10 DAYS OF INVESTIGATING. ON XX/XX/2023, I RECEIVED A MESSAGE FROM MY BANK SAYING THE INVESTIGATION WAS OVER AND NO ERROR WAS FOUND SO THEY ARE TAKING THE {$180.00} BACK. I HAVE THE RECEIPT FROM THE ATM ANF THE COMPANY THAT OWNS THE ATM IS XXXX. ALTHOUGH THE ATM IS AT A NAVY FEDERAL BRANCH.
Product: Debt collection

Since XX/XX/year> the company XXXX has been sending mail to my residence charging me for an account that does not belong to me. I called the company to let them know that is not my account. I kept having numerous phone calls from the collection company Midland. I sent the agreement contract request but haven't received a response. this letter from the company XXXX was sent to me when they sold the account to another lender. It is reflected in my credit as a charge-off. It is unacceptable that anybody can take your credit and ruin it and these companies don't hesitate to investigate if is your true identity or not.