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

A woman got into my cash app and stole all of my money. Sent {$530.00} of my money to herself. I have reported to cash app and nothing is being done about it. I have been hung up on, denied access to a supervisor or manager multiple times. They were suppose to start an investigation but I can not seem to get any information about if the investigation is happening or any updates on my case. The case number for my cash app investigation is XXXX. The money that was stolen was the rest of my rent money and I am now facing eviction because of this matter. They keep saying they have no information or updates about it. I have not only researched the lady 's cashtag that she sent my money to but also found her XXXX and found her email address. Her location and also have evidence from her relatives and close friends that she has done this to people before. Which I have also submitted to cash app. When this happens to other customers they issue a provisional credit while the investigation is ongoing, not only will they not issue me a provisional credit but they will not answer my question as to why I can not receive one. When they finally did they said certain criteria of my dispute has to be met. So I asked what do I need to receive it and now they will not answer me at all. Can anyone someone please help me. I have all the evidence. Every transaction, time and date. I also have where it was reported that my cash app was accessed by a new device in another city I have never been to. Also the location is where the last lived who done this to me. Cash app will not help me on this matter or give me any information regarding my case. My name is XXXX XXXX. If anyone can please reach out to me and help me on this matter. I have a XXXX XXXX XXXX daughter and a XXXX XXXX XXXX son. I am a single mom, I can not be homeless with my kids because cash app will not investigate or issue the provisional credit like every other customer. I have no family or friends nowhere to go if my kids and I get evicted. I literally have proof from friends and family showing that they issued them provisional credits when things like this happened to them. I don't understand why they are treating me like this. No one will answer my questions through the cash app support over the phone, the app, or the email. They keep making me answer the same questions and will not give me ANY info about my case or why I can not receive a provisional credit. Please help me? I was told 2 days in a row that I could not speak to a manager or supervisor, I called multiple times each day. I emailed. I contacted cash app support both through phone and the app. Please help? I have any and all the evidence ready to go. This is heart breaking and making me feel like I am not as valuable as every other customer or human being. I asked to file a complaint and the rep hung up in my face. Please help.
Product: Debt collection

Lease from XX/XX/XXXX to XX/XX/XXXX Needed to move out due to the Pandemic. 
Provided required notice to complex XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Paid all rent. 
They Charged additional month and fees after move out. 
I have been unemployed since XX/XX/XXXX and never delinquent with my bills. 
They are reporting to my credit score and tanking it. 
They are additionally charging interest.
Product: Payday loan

They keep calling and harassing me and my extended family, bt never mail any proof of anything. Just keep saying they are going to arrest me and take me to court
Product: Money transfer, virtual currency, or money service

Gemini Trust Company , LLC XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NY, XXXX United States Phone : ( XXXX ) XXXX This company FROZE my account for no good reason and now will not UN -Freeze the account it has been XXXX  days now and I can not get my money out. 
I sent all the necessary proof of ownership to the account but to no avail. 
After reading MANY posts on this Company its quite common for them to NOT verify or Un Freeze accounts for no reasons. Just get the run around.
Product: Debt collection

A phone call claiming it was for debt recovery but I have no outstanding debts that are unpaid. My credit is excellent, and my FICO score is XXXX ( or was while I was applying for a home eq loan ). 
I am not a co-signer for anyone else so I want this company to take me off their call list immediately. There is no one that I have any responsibility for regarding debts.
Product: Debt collection

On XXXX I received a text message from CCS attempting to collect a debt. The message was received while I was at work which was a very inconvenient hour for me. Pursuant 15 USC 1692b ( 5 ) it is unlawful communicate personal business matters that reveal a debt is involved through the text contents. That was a violation of my privacy and has undermined my confidence in Credit Collection Services ability to operate fairly and lawfully. That was the fourth text message the company has sent to my companies device. I called the company to get a better understanding of the alleged debt so that we can validate the accuracy over the phone. The agent informed me I had two accounts that had been placed on their office for the purpose of coercing payment. I told the phone rep I wanted validation and she stated they could mail the validation. CCS has been reporting late payments on a closed out account from XXXX with the original creditor XXXX. CCS has willfully disregarded the title law 15 USC 1692b ( 5 ) on countless occasions. From written notices containing they are a debt collector, to the envelopes being violation by displaying the companies name which confirms the contents at hand are coming form a debt collector. I am requesting CCS govern according to the FDCPA because they have identified as a third party collector through every medium of communication we shared in common.
Product: Bank account or service

U.s. Bank charge me XXXX $ to check my balance on their atm. Bank agreed to reverse one of the charges after I complained although I asked that all be reversed as no prior notice of the charge was provided.
Product: Checking or savings account

Accounts ending in XXXX, XXXX were opened as a result of Wells Fargo reps sales pressure tactics to boost company profits, a XXXX XXXX settlement was made as a result of this. I received a payment in the amount of XXXX from this settlement and most recently, a separate amount of XXXX which as I suspected, does not cover all fees charged to accounts in question. My accounts with Wells Fargo were closed prior to settlement, I did not have access to them in order to view statements as well as fees charged to them ... Recently, I requested copies of statements through a complaint with the CFPB, it was marked as duplicate when in fact it is not. I believe Wells Fargo rep marked it as duplicate in order to avoid providing the information because it clearly shows their settlement and payments made are inadequate. A separate complaint was made to the OCC ( Office Of Comptroller Currency ) to obtain statement copies, which were received today on XX/XX/XXXX. The total in fees I show is XXXX, XXXX charged to account ending in XXXX, XXXX to account ending in XXXX. The settlement made by Wells Fargo appears to be made as a means to remedy, not resolve the issue pertaining to their high pressure sales tactics and fees charged thereof.. These accounts were opened as a result of constant recommendations by Wells Fargo customer service reps to open a second account for bill pay use, overdraft fees were charged to these accounts since opening when in fact I did not even need these accounts. I've attached a copy of statement showing these fees. Payment has been made in total to date in the amount of XXXX, XXXX from settlement, a separate payment in the amount of XXXX. I believe I am owed XXXX in total, not including fees from savings accounts linked to these accounts. I have reasonably deducted total payment received in the amount of XXXX for a total of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Transunion responded to Federal CFPB that XXXX XXXX XXXX # XXXX derogatory remarks of XXXX was deleted from my credit report and Transunion and XXXX XXXX XXXX XXXX falsify to Federal Government that XXXX, XXXX that I had late payments. 
According to my XXXX XXXX checking account ending # XXXX evidence it shows that all my timely payments was called to XXXX XXXX before due date of each month on the XXXX. 
This is a Retaliation and Discrimination of Transunion, XXXX, XXXX   and XXXX XXXX XXXX administration for preventing me from obtaining a VA Loan and destroying my credit and scores. 
A Federal Discrimination and Retaliation was filed against XXXX, Transunion, XXXX and XXXX  with ADA Disability Civil Rights Act under the Department of Justice file case # XXXX. 
I am respectfully requesting a Federal Investigations against XXXX, XXXXn, Transunion and XXXX immediately. 
I am going to give my Privacy Release Consent to US Senator XXXX XXXX on my Federal Complaints and issues of Discrimination and Retaliation of my XXXX XXXX as XXXX XXXX American.. 
I am respectfully XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX XXXX. 
This is a Urgent Matters!
Product: Credit card or prepaid card

Over the last couple of years I have applied for credit cards at some company type cards backed by JP Morgan / Chase. I have other credit cards and a score of over XXXX according to XXXX. 

I have not been late on a payment for about 10 years. 

Chase denies me they say do to a bankruptcy in XXXX. 

Here is the rub. I had to take a bankruptcy due to Chase. They had a credit line to a company I worked for in the XXXX recession and they withdrew it and force the company to sell - I lost my job. Did not work for 2 years. 

Chase also did the bait and switch on a loan modification and turned it into a foreclosure in XXXX. I fought it for 5 years and won. Got forgiveness on a 2nd loan due to their malfeasance and got the first mortgage modified with the help of an attorney. 

I think Chase black balled me for beating them and XXXX XXXX  and keeping my house. Makes no sense today why they would deny me - unless they deny ALL OTHER people that had to take a bankruptcy due to the last recessions.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute unauthorized credit inquiries that appear on my credit report. Upon reviewing my credit report from [ name of credit reporting agency, e.g., XXXX, XXXX, XXXX ] on [ date ], I noticed inquiries that I did not authorize. These inquiries negatively impact my credit score and overall creditworthiness.

I did not provide consent for these entities to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries should only occur with my express authorization or for permissible purposes as outlined in the Act. 

I request that the CFPB investigate these unauthorized inquiries and take appropriate action, including directing the credit reporting agencies to remove these inquiries from my credit file and addressing any violations by the entities that made the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 11 disputes over my child support with Experian and they say I am in collections. I got results on XX/XX/XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX all of the disputes filed and they will not fix my credit report. I have sent them proof of payment from XXXX county child support and new York state child support and social security.
Product: Credit card or prepaid card

None of the credit card companies I complained about in CFPB complaint numbers XXXX ( XXXX ) XXXX and XXXX ( Bank of America ) XXXX have provided me with copies of the documents the merchants submitted to the credit card companies relating to my disputes. As a cardholder who disputed charges related to said merchants, the cardholder has the right to view said documents and challenge their content as part of a discovery process, and to appeal credit card company decisions. This cardholders due process rights have been violated and as a consumers I deserve fair treatment. A consumers bill of rights which includes fair handling of credit card disputes is needed.
Product: Credit reporting, credit repair services, 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. 

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. 

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. 

NOTICE : Experian, XXXX, and XXXX are only reporting agencies and are all in violation of utilizing hired overseas agents from foreign governments to handle XXXX XXXX XXXX XXXX information of my Estate and ALL of their AMERICAN/CORPORATE ENTITIES/PERSONS that call these three reporting agencies. This IS a direct threat against EVERY customer/client of these SO-CALLED bureaus have in their database. When in FACT according to Title 15 U.S.C. Subsection 1681 ( W ) the Consumer Financial Protection Bureau is the ONLY Lawful Credit Reporting Bureau. THEREFORE I AM A VICTIM OF DATA BREACH BY THE CREDIT REPORTING AGENCIES CALLED " XXXX XXXX HOLDINGS, EXPERIAN INFORMATION SOLUTIONS INC., AND XXXX XXXX XXXX XXXX '', THROUGH OUR INVESTIGATION THESE ACCOUNTS ARE TO BE REMOVED DUE TO THE LISTED VIOLATIONS ABOVE!
Product: Debt collection

Today a debt company called " SRS '' called me at XXXX XXXX my local time which it isn't legal to call before XXXX XXXX. They call repeatedly and several times a day. They have called my mother 's phone number :XXXX and mine : XXXX. They have left voicemails on both that legal action may happen about a debt I have with personify.
Product: Debt collection

i file for bankruptcy chapter XXXX in XX/XX/2014 and it is discharge, this is my second complaint against .the first one thy refused to take my old debt off my credit report .so they finally did it about a year ago, so i no, they no i file chapter XXXX, portfolio recovery nows been sending me bills and calling me for a old debt that was in XX/XX/2014 that was discharge .i call them and said they don't have my bankruptcy information which i no they have i sent it so did my attorney, they should have there license pulled.you can contac me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa,XXXX, email XXXX XXXX
Product: Debt collection

On 3rd I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with Hunter Warfield Inc. Collection Agency in XXXX  showing a balance of {$23000.00}. Hunter Warfield IncXXXX Collection Agency failed to respond to my validation letter as of XXXX XXXX. The uploaded attachment the letter that was mailed along with tracking information which shows when the agency received the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When responding to Chase 's letter I call and try to discuss the bigotry I have faced, then they warn me they will hang up if I continue to use profane language. I have only used the word bigotry. While bigotry itself is offensive the word is not profane or abusive. 
If Chase had used the interactive good faith process under the ADA and had accommodated my XXXX this would not be happening. 
Further when trying to ask how they could accommodate memory XXXX instead of inquiring what would be needed they indicated that they treat XXXX people the same as everyone who is not XXXX. The interactive good faith process would end this. 
Lastly Chase refused to respond to CFPB complaint id, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion completely ignored several requests that I have made for them correct my name, address, telephone and employment for over a year. I have filed several disputes regarding this matter and nothing has changed. These inaccuracies are damaging to my personal credit file and it's hindering me from obtaining credit.
Product: Money transfer, virtual currency, or money service

Company i have issue with : https : //wise.com/ Account registered under email XXXX Type of issue : They deactivated my account without reason. I have used it since XXXX, and for last 12 months using wise.com service as my virtual bank to recive payments of my busniess operations via USA based company in Wyoming. 
They closed my account on XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, I sent 4 Certified letters to XXXX XXXX XXXX XXXX regarding some collection accounts they claimed I owed. In my letters to them, I requested several specific items as to why they think owed the debt. I asked for name, address, account number and amount owed. I also asked for original creditor info, amount owed to creditor at the time it was transferred to them. I asked for verification and documentation that there was a valid basis for claiming that i am required to pay the debt to the original creditor ( ex ; some type of written agreement ). I asked for a copy of the last billing statement from original creditor, any interest, fees, or other charges. 
I asked for them to provide proof of a debt collection license in Texas with license number, date of the license, name, address, and telephone number of the state agency issuing the license. I know they have 30 days to respond to my certified letters so i waited 45 days and did not receive any response from them. At that time I asked them to delete this inaccurate info from my credit reports and yet they refused. On XX/XX/2021 I sent out a 2nd round of the same 4 Certified letters ( 1 for each collection account they are claiming I owe them for ) and today makes 44 days and I still have not received anything from the collection agency. I made a complaint recently with CFPB and the only thing XXXX XXXX XXXX said was " This information is accurate ''. I didn't them to verify my name and address, I asked for a thorough investigation and to provide me with the specific information i requested but after almost 90 days, and 2 rounds of certified letters, they still have not provided me with the information i requested.
Product: Mortgage

I 'm currently applying for a loan modification & have been approved for a trial modification twice. 

XXXX Ocwen approved for trial payment of XXXX. 

I declined & applied again asking Ocwen to consider the ( Full Appraised Certified Value ). 

The appraisal was obtained on the suggestion of Ocwen in XXXX. 

Ocwen again approved the trial modification in late XXXX Payment XXXX The payments are based on a BPO ( Broker Price Opinion ) of XXXX XXXXXXXX this was done in XXXX. 

Another BPO was done in XXXX $ XXXX A certified appraisal with color photos on XXXX/XXXX/XXXX with a value of XXXX  XXXX was uploaded to Ocwen. 

Ocwen also did a exterior appraisal on XXXX/XXXX/XXXX value XXXX XXXXXXXX Ocwen has yet to consider the analyses of true value of home. This appraisal as of XXXX/XXXX/XXXX has not been reviewed. 

Ocwen 's front office is very kind they have assured me on multiple occasions that they will have the Full Appraisal Analyzed & compare To The BPO. 

Full Certified appraisal was uploaded on XXXX/XXXX/XXXX Ocwen instead ignored the Full Certified Appraisal & elected to get another BPO on XXXX/XXXX/XXXX I have been extremely proactive & have spent many hours asking Ocwen to consider the Full certified Appraisal or Send their own XXXX & I will pay for that XXXX as well. 

As of this complaint all we have now is a call with the Relationship manager on XXXX XXXX. Whom is extremely friendly & sincere. 

Based on Ocwens value they perceive the value to have gone up $ XXXX in a years time.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX or XXXX of XX/XX/2022 ; I placed a temporary credit lift on my credit file of reference to that with XXXX which is normally locked to look at utilising XXXX which is a distributed payment or purchase-loan affiliation program instituted to aid in payment spreading for larger level purchases associated with that of credit easing. Such was being conducted to examine purchasing bicycle to ensure for freedom of movement to the juxtaposition of local, regional, and national caging associated with organ surrogacy and trafficking related to that of affiliated persecutory actions of relation towards maintaining international relations. Upon unlocking the credit with the actual provider XXXX which is headquartered in the city of XXXX ; access to credit services were intentionally still being restricted by the company XXXX; essentially positioning through the caller support for the later consolidation of the firm and use of the collected audio fraudulently for the purposes of creating the auspices that submitted PII information was obtained by accidentally interacting with a fraudulent vendor and not the company itself. For example asking to submit debit card information upon intial callout when such had not been submitted to the application, nor would be prior to credit ascertations in support of nationally oriented and intentional financial restrictions of direct relation to nationally oriented organ surrogacy. Similarly the representative suggested to call back in 24 - 48 ; stated time window to complete alloted XXXX training, actions which are being detrimentally exerted and manipulated of direct association to national intelligence initiatives guised as policing by family members and localities. Such is entirely being positioned for lateral theft of identity towards that of a family member for the purposes of nationally oriented subjugation.