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

On XX/XX/2023 at XXXX there was {$50.00} removed from my without my authorization. 

On XX/XX/2023 at XXXX XXXX. there was {$4000.00} removed from my account without my authorization. 

I had been hospitalized in XX/XX/2023 for XXXX and was in recovery most of the summer. 

Because of my poor health and age ( I will be XXXX in a month XXXX ) I did not notice this cash was missing until around XX/XX/2023. 

I was saving the money to pay hospital bills. 
They failed to notify me when " {$4000.00} of my money was removed at XXXXXXXX XXXX on XXXX XXXX XXXX XXXX 

Cash App advertises the following but they do not do anything. 
. 
Does Cash App refund you if scammed? 
If a potentially fraudulent payment occurs, we cancel it to prevent you from being charged. When this happens, your funds will instantly be returned to your Cash App balance or linked bank account. If not, they should be available within 13 business days, depending on your bank. 

They denied my claim. If removing {$4000.00} of my money at XXXX XXXX on a Saturday night isn't a " potentially fraudulent payment '' I don't know what is. 

I have contacted them but all they say is to keep submitting claims and then they deny them. 

I also know after talking to financial advisers that people can actually take money out of your bank account. 

Most of the employees you talk to at Cash App are in foreign countries and do not speak English very well and don't even understand half the time what you are requesting. 

I would advise everybody to remove the cash app from their phones and computers, because after your money is stolen they don't try and help.
Product: Mortgage

ameri home mortgage company refuses to assist me with hardship with my mortgage even though i appled many times and asked them for help requested for help still refuses to help me with my mortgage hardship i am having?
Product: Checking or savings account

So been using Cash app for many years with no problem love cash app. On XX/XX/2023 I logged in after I getting a new phone. And cash app said they closed my account because did something against the terms of service. I said of this must be a mistake what did I do. No answer. Cash app has had system problems a lot lately and I heard from others they randomly closed down people 's account with no explanation. Well i need my account and I need an explanation and my account back
Product: Checking or savings account

On XX/XX/XXXX I purchased XXXX XXXX uniforms online for {$290.00}. I called XXXX on XXXX and spoke with Customer Service Representative XXXX at XXXX XXXX  for approximately 4 minutes. I called for assistance regarding the multiple pending charges from XXXX XXXX on my checking account ( {$210.00}, {$81.00} and {$290.00}. XXXX ). The charge for {$81.00} had been refunded and I wanted and needed access to the {$210.00}. I was told that it should fall off in a day or two, but I could email customer service my bank statement showing the pending transactions. I emailed customer at XXXX XXXX  on XX/XX/XXXX. I received a reply email from XXXX XXXX informing me that I'd have to wait 1 to 5 days depending on my bank. I spoke with a USAA bank representative via chat on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ), stating that I have to wait for the transaction to post and dispute or wait for the merchant to clear it and the pending transaction falls off. It's been a week or 5 business days since my funds have been withheld from me and I'd like USAA to clear the pending transaction.
Product: Student loan

I am XXXX years old and graduated from XXXX XXXX University in XXXX of 2011. I have been struggling with student loans since I graduated. I had to move back home in order to pay the extremely high monthly payment. I have cut every cost possible, I even avoid going to the doctor or dentist if at all possible. There are no other costs to be cut except for gas and food and I need to eat and I need to drive to work. My car recently broke down and was unable to make all of the payments on it because my student loans cost so much. I have called Navient multiple times trying to resolve this issuing stressing my financial hardship. How when my car breaks I ca n't afford to fix it, when I 'm sick I ca n't afford to go to the doctor ... it 's no way to live. They offer to " help '' me with an interest only payment plan or extending my loan another XXXX years so that way I can pay even more money on my XXXX, XXXX, 11 % interest loans. I declined these offers to " help '' because they are no help at all. I stress the fact that I want to remain a good borrower but I am unable to live life and fix my car let alone go to the doctor for my own health because I can not afford it. I was lied to by being told I have to be late with payments to be eligible to lower my interest rates. Then when I asked multiple different representatives what hardships one who qualifies for the reduced rate program must face I was never given a response and told they can not discuss that with me. As I cried countless times on the phone and asked to speak to someone who can help me and not talk down to me as if I was an idiot I was either given nasty responses or hung up on. I can not go on like this. I want to work with my lenders but they are refusing to work with me and at the very least treat me like a person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX 
Last reported XX/XX/2022 1. This a medical billing issue 2. Account was deleted following dispute ( via CFPB ) 3. Account reinserted ( added back ) after deletion 4. I DID NOT receive prior written notice of reinstated on my credit file 5. Under the Fair Credit Reporting Act ( FCRA ) the reinstatement without written notice within 4 days of reinstatement is a violation of the law ( i.e., illegal )
Product: Money transfer, virtual currency, or money service

I have an account with XXXX bank and I initiated 6 wire transfers through XXXX Bank during the period XXXX XXXX. On XXXX wired {$66000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX PNC Bank National Association . Bank address- XXXX XXXX  XXXX, XXXX XXXX NJ XXXX Account number XXXX Routing number XXXX Chase claim number XXXX XXXX The above money was wired by me to this fraudulent account through a XXXX scam. I already complained to XXXX XXXX XXXX to follow up with PNC Bank National Association to recall this wire. Despite numerous attempts, PNC Bank didn't respond i Pls see XXXX bank 's response when i raised a CFPB complaint to respond to all the wire recalls. 

We initiated a wire recall request to PNC Bank for {$66000.00}. We sent a follow-up request on XX/XX/XXXX, and did not receive a response. We sent another follow-up request on XX/XX/XXXX, but there have been no further responses received. Appreciate if you could work with PNC Bank promptly to assist with this process so we don't delay any further the wire recall process and we end up not having any funds in that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent me an emailing on XX/XX/2022, claiming to have allegedly investigated my dispute and verified the accuracy. These accounts are NOT accurate and Experian is continuing to be unfair. An Investigative Consumer Report has now occurred. I did not give Experian direct written consent to furnish any of these alleged accounts to my consumer report. Experian investigation was not fair and accurate and I have requested for them to send Per 15 USC 1681 ( i ) ( 6 ) ( B ) ( iii ), that within 15 days to detail who you were in contact with and what method to determine the accuracy of the accounts and information of your investigation.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX trying to remove this account from My Credit report for years they refuse. I have advised them I am a victim of identity theft and requested proof this account indeed without a doubt belongs to me and they fail to do that. The only thing they have sent me is proof of the payments made to the car which does n't prove this debt or account indeed belongs to me.i demand proof such as copy of my drivers license, passport, state issued id, social security card etc documents providing I opened this account personally. I even tried to settle this account even though I do n't owe anything to them and they refuse to remove the account even after payment. This is t correct and someone needs to put into place my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified Lexus Nexis XX/XX/2019 that a fraudulent bankruptcy was being reported on my credit report
Product: Debt collection

I have sent 2 certified letters to American Account Advisors Inc., the first letter was dated XX/XX/2017 delivery confirmation number is XXXX, the second letter was dated XX/XX/2017 delivery confirmation number is XXXX, both my letters are attached to this complaint. 
My letters to American Account Advisors Inc were requesting validation, including evidence bearing my signature, showing that I have or ever had a contractual obligation with American Account Advisors Inc. My letter included instructions to verify the debt or remove the negative markings for accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX from my credit report. 
American Account Advisors Inc. neglected to respond to my letter from XX/XX/2017 within 30 days and have violated the FDCPA 807 [ 15 usc 1962e ], as of XX/XX/2017 the items are still reflecting in my credit report.
Product: Debt collection

CarePayment sent me a " bill '' in the mail and they have violated several sections of the Fair Debt Collection Practices Act. 

1. They included language on the front and back of the envelope that imply that I am in debt. That violates my consumer 's right to privacy and also violates section 15 USC 1692F8 of the FDCPA. All mail carriers and everyone who is at my abode location sees this information!

2. They also stated in the letter that I owe {$120.00}. That is also a violation of the FDCPA section 15 USC 1692B2 because it states that you CAN NOT state that such consumer owes any debt.

3. The Truth In Lending section says that in ANY consumer credit transaction the finance charge is supposed to be the SUM OF ALL CHARGES and there are to be no cash comparable type transactions included. That means I am not supposed to be billed anything under a consumer credit transaction. CarePayment is in violation of federal law 15 USC 1605 AND 15 USC 1692E10. They are using false representation and deceptive means to attempt to collect an alleged debt concerning a consumer.

4. CarePayment also used obscene and profane language in the alleged " bill '' that they sent to my abode location. They used threatening language in the contents of the mail to persuade me to pay a bill that I am not supposed to be billed anyway. They used threatening language of adding late fees 5. CarePayment also violated section 15 USC 1692 ( 2 ) ( A ) of the FDCPA. They falsely represent the character, amount, and legal status of an " alleged '' debt that they sent to me in the mail.
Product: Credit card or prepaid card

Dear Manager ; I thought I had already dealt with this 30-45 days ago when I called BESTBUY CITI directly and spoke for hours with the management team in regards to this situation. The manager I spoke with mentioned and confirmed that they had the wrong address and phone number on file since the opened the account. She said because of those internal errors, she submitted a request to demand a correction on that account and refund any fees, etc. I NEVER NEVER RECEIVED ANY BILLS OR CALLS, because it seemed like you guys had wrong information in the system.

Again, I was shocked TODAY when I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a multiple payment on the date below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/2019 for 30, 60, and 90 days late.

I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought I made myself clear i never received any statements since the inception of this account and any form of communication. I was told and promised that the account was going to be re-opened, fees reimburse, and late payments removed, and new statements mail.

Again, I do ask in light of the good standing relationship we have that you remove ALL late payments from my credit report and refund me any late fees that were added to my account. I do not believe it is accurate.

I would rather not have to spend more time than necessary for both of us to resolve this situation so I was hoping that instead of escalating anything, that you could help me with this and report me as being 100 % on time.

I appreciate your help regarding this and look forward to keeping having the positive experience that I have had with you in the past. 

Thank you! 

XXXX
Product: Debt collection

Beginning on XXXX XXXX, XXXX, I began receiving automated calls/ recorded messages from XXXX. After doing some quick research, I found this number is used by Aargon, an agency in XXXX XXXX, Nv. It is now XX/XX/XXXX, and I have now gotten 26 phone calls from them, even though I do NOT have ANY outstanding debts that would require a collection agency. Because of that, there is NO account # on file, or at least there should not be. I pay all of my bills on time, and nobody that bills me, has ever notified me of any delinquent payments. So to me this is an obvious scam. I've blocked their phone #, but they are still able to leave voice messages on my cell phone. The messages are almost always garbled or cut off, so I have no idea what the messages are referring to. I have sent the company an email, asking them to take me off their call list. 

Dates/ times of each phone call : ( all in XXXX ) XXXX XXXX - XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX, XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX, three calls! 
XX/XX/XXXX - XXXX, two calls XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit card or prepaid card

I had two cards tampered with prior to purchase. One was already inactive due to pre-activation activity, the other was terribly damaged and the magnetic stripe had been destroyed. I asked for the cards to be registered, inactivated, and replacement cards sent, but both the representative and supervisor insisted on charging me a XXXX fee ford doing this despite the fact that it was not my fault the shoddy security allowed these cards to be compromised prior to my purchase. The packaging was faultless, but this company for some reason routinely has compromised cards in faultless packaging. Both the predictable sequence of numbers of their prepaid cards and easily tampered packaging make their cards seemingly easy targets for thieves, and they seem uninterested in buffing up security and completely unconcerned how this affects consumers.
Product: Money transfer, virtual currency, or money service

I tried opening my account with the same username and password that I have always have, but it gave me an incorrect password notification. When I went to reset my password with the email address on file XXXX, it never sent a recovery email. So I am unable to login to my account and the password recovery is not working. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are violating my rights as a consumer by ignoring my disputes. I have been fighting these credit errors for a year now and sent in several disputes regarding a bankruptcy that is not mine and items/old accounts that have been paid but not removed nor updated. I've called and questioned there verification methods for the bankruptcy and the representatives can never give an explanation. I've spoken to reps at XXXX several times and they tell me " ok mame we'll remove the bankruptcy '' but when my report updates the following 30 days its still there. My credit score has hardly budged in months and my credit report does not even have as many delinquent accounts as other consumers I know and there scores are higher than mine.
Product: Credit reporting or other personal consumer reports

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

Account Name : 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  has violated my rights. Or a list of inquiries : 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 than 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 XXXX XXXX have not given written, verbal instruction or permission to XXXX XXXX XXXX XXXX to report to any Credit Reporting Agencies. 

I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an account balance sheet. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation 15 U.S.C. 1681 Section 602a, states I have a right to privacy. 
15 U.S.C. 1681 Section 604a, section 2, Also states that a consumer reporting agency can not furnish an account without written instruction from myself. 

The account statement that was provided to XXXX, XXXX and Equifax to validate the account can not be considered as sufficient verification of a debt. Please read the case below : In the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ) Instead, XXXX obtained a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). 


The balance sheet in no way provides sufficient verification of the debt. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. 
- This account is also a fraudulent and have file an Identity Theft Report with the Federal Trade Commission Report # XXXX Please remove this account from my report, it is against federal law to report unvalidated information. Thank You
Product: Debt collection

Credit Control LLC contacted me about a debt collection from an account with XXXX XXXX. They were quite rude on the phone. Unfortunately I did give them my social security number to verify their account. They say I had opened and account with XXXX in 2022 and purchased XXXX cellular phones in XXXX. I have lived in XXXX  in the same home address for XXXX  years and have never done business with XXXX. I think they found my name and used that to link to a delinquent account that existed under the same name in XXXX. I think that when I gave them my social they tied it to the debt and put it on my credit report. I feel like they are happy to collect from anyone regardless of whether the debt was theirs or not. That same day I contacted XXXX 's fraud department and they had no account tied to my social or phone number, the gentleman that helped me was very kind. However he couldn't do anything as I didn't even know the supposed account number. Credit Control LLC has done something very shady and treated me like the criminal when I spoke with them. I reported the activity to my Identity Theft Protection service that day and now this debt is on my credit report. I am very angry and wish I had the means to seek legal action against someone who feels that they have the right to bully me and negatively effect my credit regardless of factual information!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX account # 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute and Request for Removal of Inaccurate Collection Accounts - Section 1681b ( a ) ( 3 ) ( A ) Compliance Dear Equifax Dispute Department, I am writing to dispute the accuracy of information on my Equifax credit report, specifically concerning three collection accounts attributed to XXXX XXXX XXXX. The account numbers associated with these accounts are as follows : 1. XXXX XXXX XXXX ( XXXXXXXX XXXX ) : Acct # ending : XXXX XXXX. XXXX XXXX XXXX : Acct # ending : XXXX I am asserting that the reporting of these entries is not for a permissible purpose, as required by Section XXXX ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act ( FCRA ). I am invoking my rights under this section to request a thorough investigation into the purpose for which these accounts are being reported. 
[ Include the following details : ] Date of Birth : XX/XX/XXXX Social Security Number : XXXX I am specifically requesting the removal of these collection accounts from my credit report due to the failure to demonstrate a permissible purpose for reporting, as mandated by Section 1681b ( a ) ( 3 ) ( A ) of the FCRA. Additionally, I request that you provide a written response within the time frame mandated by the FCRA, typically 30 days, detailing the results of your investigation and any actions taken. 
Thank you for your prompt attention to this matter. I trust that Equifax will conduct a thorough and fair investigation in accordance with the provisions of the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX XXXX