23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am filing a complaint against Transworld Systems for reporting a collection account on my credit report that I do not recognize. Despite my request for validation of this debt, Transworld Systems has not provided any documentation to prove its validity, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue I discovered an unknown collection account from Transworld Systems on my credit report on XX/XX/year> XXXX, I sent a written request to Transworld Systems asking them to validate the debt by providing proof that the debt is valid and that I am the rightful debtor. 
Transworld Systems has not responded to my request, yet the collection account remains on my credit report, negatively affecting my credit score. 
Violations FDCPA Section XXXX ( b ) : Debt collectors must validate a debt upon request and cease collection efforts until validation is provided. 
FCRA Section 623 ( a ) : Credit furnishers must ensure the accuracy of reported information and investigate disputes promptly. 
Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/XXXX I attempted to withdraw my funds from OKCoin ( a XXXX XXXX licensed in the XXXX and based in XXXX XXXX ). I was unable to do so and received the following message after clicking " Withdraw '' on their website : " In accordance with the terms of service, we regret to inform you that we can not provide services for you. If you have any questions, please contact our customer support. '' I have since contacted customer support multiple times and they have not provided any solution. They initially said they issue was due to the fact that I was not fully " verified ''. I am now " Verified '', yet I continue to be unable to withdraw my funds. 

I have attempted to withdraw everyday since then, multiple times a day. I have also XXXX  the issue and see others have encountered the same problem. 

Would you kindly help me resolve this? We're not talking about a lot of money ( ~ {$3500.00} in value ), but it's mine, and I should be able to withdraw it. 

Many thanks in advance, XXXX XXXX
Product: Credit card

Fraudulent activities XXXX XXXX XXXX XXXX Discover credit card and XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my credit builder account was negative {$47.00} due to me using my spot me. That same day I borrowed XXXX $ from XXXX to clear my balance. Chime received my deposit of XXXX XXXX At the time my auto transfer was on so the {$50.00} was transferred into my Credit builder account. This is where the issue started. Instead of chime clearing my spot me balance it increased it to XXXX. I immediately contacted them to figure out that happened. After gaslighting me and saying i over spent which isn't possible ( they do not allow transaction if there are no funds or spot me money available ) They finally decided to look into the account and tell me there is a glitch and they will be working on a resolution. At that time no time frame was provided. I was told to reach out the next day and i did. When i spoke to the supposed same agent about the issue they then told me that i would need to wait until the XX/XX/XXXX which is when they are expecting the " glitch '' to be fixed. Both times I reached out I asked for a supervisor because the agent assisting me was not trying to understand but give excuses as to why the funds were not available. After speaking with supervisors they then agreed there is an issue with the transactions. Today is XX/XX/XXXX. Yesterday my job mistakenly send a payment to this account after I changed my direct deposit to another bank. No since the initial issue I have shut off the option to automatically transfer my funds from one account to another. Since the issue I have used chime to move money into my other account so I know the feature was shut off. Now the deposit I received from my job was automatically transferred into my credit builder account that was still negative {$97.00}. When i reached out about it I was told it was moved to clear the balance for spot me. then i was told that i transferred the money into the account. Chime keeps trying to steal my money. I am not rich and work very hard for every dollar. I always pay off my spot me and I always pay back anything I owe and my account will show that. I have evidence of all my chats but I do not have any evidence of the 2 phone calls i made to chime in regards to my issues with them. I would hope they record the calls for security and quality control. I have not been able to pay certain thing and for the week of the XXXX I was not able to buy groceries or necessities for my daughter and I. Chime has refused to help or correct their bank error. I know the amounts seem small but when every penny counts it not that small.
Product: Credit card or prepaid card

Hello, this is an update to the existing complaint XXXX. 
Currently Chase is forcing me to take a check as opposed to the ACH. They can not make it work ... See past claims. 
Now ... they are working on a check ... i really dont want to go to deposit it once i receive it .... 
Worst Part, they have changed my mailing address to a place i do not reside at. ( USPS apparently gave them the incorrect address ... but who asked? ) no idea where the check is at, and Chase is not cooperating. 
This is theft for {$4200.00}. 
There is no mistake about this. THEFT
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX Loan Account # : XXXX Hello, For over a year now I have been trying to get a loan modification on my mortgage with my mortgage servicing company, Select Portfolio Company. I went through some very hard times and could not afford my mortgage then. However I went back to work and things have gotten better for me financially and have since pleaded with the mortgage company to modify my mortgage. For over a year now they have not given me the modification and my home is now in foreclosure scheduled for a XX/XX/XXXX sale date. 
I have given them all my financial statements that were requested including my income which includes my child support. They are refusing to use my child support and threaten to go ahead with the foreclosure on my home because according to them the amount is not the same every month. My monthly child support is a little over a XXXX and I receive it on a master card. I gave them the court order that shows the amount and 18 months monthly statement from the child support department proving I have been and still receive this income. 
They are however refusing to use my child support income because again according to them the actual amount received is not the same every month. They claim that because the actual amount receive is sometimes slightly more and sometimes slightly less than the amount ordered by the court that I get a letter from the department of child support explaining why amount varies. I asked to the court for the letter but was told they can not tailor a letter explaining why the amount receive is sometimes slightly higher. According to them they can only give me the monthly statements and the court order but can not tailor a letter to my situation. 
I explain this to my mortgage serving company and ask them to at least use the medium amount for every month but they insist they will not use the income at all however if they do not use my child support income that will disqualify me for the modification that is currently in progress with them. 
I have lived in this home with my daughter since XX/XX/XXXX and I am terrified that they are going to take our home away from us. I barely sleep at night. I do n't understand why they are refusing to use the child support when I have given them statements from XX/XX/XXXX to now showing I received at least {$850.00} every month. 
I am asking this office to please intervene and help safe my home. Please ask them to use all of my income and not deny me the loan modification. 
My mortgage company information : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX, UT XXXX : Phone : XXXX Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi TRANSUNION, I just checking my credit report and I saw this XXXX XXXX BANKRUPTCY still showing up my credit report. I was told this inaccurate account shall delete from my credit report and I want to delete this bankruptcy as agreed by LAW.
Product: Debt collection

I received a letter from Caine & Weiner about a debt that I do not owe to XXXX XXXX company in the amount of {$280.00}. 

I mailed Caine & Weiner debt collector a debt validation letter so that they may validate the debt that is stating is owed by the XXXX  aka XXXX XXXX XXXX XXXX The {$280.00} has been discharged or written of by XXXX XXXX XXXX and can be confirmed by them.
Product: Debt collection

I have made several attempts to dispute these accounts from Medical Data System after reaching out to them via a certified validation letter. During the dispute process and after sending a certified letter for debt validation and verification ownership and other requests. During this time, I asked and by rights communication and reporting should cease for the dispute period. Also, during this XXXX period, there were excessive calls from this company. These unfair credit reporting actions were taken before responding to my certified letter. These unfair practices are damaging my credit score and impeding my attempt to purchase a house and car.

For the reasons above, I went through XXXX directly explaining these unfair practices. As resolved The items were deleted. This company immediately reported these same items again, but this time duplicated each item. Notice the same amount reported as the original open date. Please see the below items that are currently on my Credit report with XXXX The company in In Violation XXXX question is MEDICAL DATA SYSTEMS INC XXXX Address XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX XXXX {$50.00} First reported XX/XX/XXXX XXXX XXXX Care {$50.00} Duplicate reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} First reported XX/XX/XXXX XXXX XXXX Care {$50.00} Duplicate reported XX/XX/XXXX {$86.00} First reported XX/XX/XXXX {$86.00} Duplicate reported XXXX time reporting after deleting XX/XX/XXXX {$150.00} First reported XX/XX/XXXX {$150.00} Duplicate reported A few examples of excessive and harassing calls See below. 
Voicemail Call log : XX/XX/XXXX Time XXXX XX/XX/XXXX Time XXXX XX/XX/XXXX Time XXXX XX/XX/XXXX Time XXXX XX/XX/XXXX Time XXXX XX/XX/XXXX Time XXXX
Product: Checking or savings account

XX/XX/2022 XX/XX/2022 XX/XX/2022 Recurring charges were coming to my card that it was impossible for me to make.big Deposits was made to my account that I was unaware of. And I spoke to them about it and they automatically closed my account without any warning and XXXX I call to inquire about what happen nobody could give me a explanation
Product: Credit card

Dear FNBO, I am writing to formally dispute a fraudulent charge of {$580.00} from XXXX XXXX on my FNBO credit card. My six-night stay at the hotel was pre-approved at a rate of {$110.00} per night, totaling {$670.00}. I have attached an email confirmation from XXXX employee XXXX, sent prior to my arrival, which clearly outlines this agreed-upon rate. 

However, my FNBO credit card was subsequently charged {$1200.00} for a XXXX stay which comes down to a nightly rate of {$200.00}, resulting in an overcharge of {$580.00}. I have already contacted XXXX XXXX regarding this discrepancy, but I have been ignored by XXXX XXXX ' employees, and I am yet to receive a satisfactory resolution. 

Despite providing FNBO with this evidence, my request for a chargeback of this {$580.00} amount remains unaddressed. I urge FNBO to review the attached documentation and initiate a chargeback for this unauthorized and excessive charge. I believe this matter requires immediate attention due to the evident fraudulent nature of the additional charge imposed by XXXX XXXX. 

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

I paid my student loan off in XXXX, with XXXX  college. The credit report never had XXXX  college on it until I stated what college I attend now all of a sudden I owe them to. XXXX  college is a closed school due to fraudulent loan accounts. Its other schools on my report that I have no idea of and never attended, also theres a energy bill that is part of the identity theft case in XXXX I have tried to explain it but no one listens. Its address that I never lived at on my report, its a last name that is not mines attached to my first name. I have tried for years to despite the errors but they are forcing me to accept them. Please stop XXXX  together we have had enough
Product: Credit card or prepaid card

On my credit report I noticed 2 delinquent, and then derogatory, credit card accounts for 2 different XXXX XXXX stores in IL and SD. I live in Colorado and have never shopped at a XXXX XXXX. The cards were issued by XXXX.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXXXXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD through CoinFlip utilizing their XXXX ATM services. When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether CoinFlip did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of CoinFlips custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether CoinFlip promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether CoinFlip was in compliance with its own policies and procedures ; ( v ) whether CoinFlip owed duties to myself, what the scope of those duties was, and whether CoinFlip did not uphold those duties ; ( vi ) whether CoinFlips conduct was unfair ; and ( vii ) whether CoinFlip has within its power the ability to, and should, compensate me for the harm that has befallen me. 
Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. 
In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, CoinFlip must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. Granted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element. However, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that CoinFlip did not foresee the fraud and disregarded even the most obvious dangers in this respect. Situations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learnt from the errors of the past.
Product: Checking or savings account

well, on the XX/XX/2021, between the hours of XXXX. - XXXX, a total of {$400.00} was taken off of my card, and now, i found out that i had to call my Bank, the Chase Bank XXXX and they aid that they will look into it, investigate it, and then i will get a credit of my {$400.00} back to my Account, and now they got my Banking Account in the negative, - {$170.00}, and I need to be back in the positive, {$260.00}!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report and need to update or remove from reporting. 
XXXXBalance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXXXXXX Account number XXXX Original creditor XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Account status Closed Status updated XX/XX/XXXX Account type Revolving Payment status Charge-off Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act. This of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXX OHIO KY XXXX XXXX Account : XXXX DEPT OF EDUCATION XXXX XXXX # XXXX # XXXX # XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax after I purchased a credit report from XXXX XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX CARD XXXXon my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX XXXXo get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violate the XXXX XXXX XXXX XXXX ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I was involved in a car accident on XXXX On XXXX  my vehicle was considered a total loss. XXXX made a settlement payment to Kia Finance in the amount of {$13000.00} which cleared and posted on XX/XX/year>. My extended warranty , road hazard, and tire and wheel protection was cancelled and refunded to my Kia account in the amount of {$2800.00} on XX/XX/year>. XXXX insurance made a settlement payment of {$13000.00} which cleared and posted to Kia Finance on XX/XX/scrub>XXXX 

Kia Finance closed my account as paid in full. The company sent me a letter advising such and reported to all three credit bureaus that my account is closed and paid in full. 

Kia notified me that my account had an overpayment amount of {$620.00}. Kia Finance mailed me a check in the amount of {$620.00} dated XXXX I received the check in the mail on Friday, XX/XX/year> and deposited the check into my XXXX XXXX account on Monday, XX/XX/scrub>XXXX As of today, XX/XX/scrub>XXXX  XXXX XXXX advised that the check made from Kia Finance was voided and returned. 

My XXXX XXXX account is now in the negative and I have to pay a returned check fee. 
I called Kia Finance today ( XX/XX/scrub>XXXX  ) and the customer service representative advised the original dealer ( XXXX XXXX ) notified Kia Finance recently that the extended warranty was voided, and the funds should be returned to the dealer. 

As a result, Kia Finance voided the check made to me, ( after I already deposited it in my bank account ) causing an adverse impact to me as a customer without any proper notice. Now, my bank account is impacted, and Kia Finance is now stating my account is not paid off as previously reported.

The error, if any, solely lies within the hands of Kia Finance and the company needs to clear the check they issued to me.

I requested to speak with someone within the legal and/or finance department and was refused by the escalation representative, XXXX.