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

On Sunday XX/XX/2021 on or about XXXX XXXX  I attempted to transfer {$200.00} ( XXXX XXXX dollars ) using Cash App to a friend XXXX XXXX ( XXXX XXXX ) At or about XXXX XXXX  on Sunday XXXX XXXX, she still hadn't recieved the funds which was odd. So I immediately contacted Cash App to request a refund I did this because XXXX and I noticed that her Cash App tag XXXX XXXXXXXX doesn't have a capital letter XXXX " XXXX '' which is how the Cash App tool directed the {$200.00}. Also, I contacted my bank XXXX XXXX and alerted them to the problem so that I could get the funds back. 
Monday, XX/XX/2021 I was contacted by Cash App Customer Service and asked to provide information so that I may get a refund or redirection of funds. I have provided the requested information each day. Today, I notice that each day I have been asked to do something and I do it but, no indication of refunding my {$200.00}. It seems as I'm getting the run around and no refund. This is not right. 
According to the app the original transaction did not complete so it should be no problem getting my money returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I disputed an fraudulent inquiry on my report. They lady who disputed it was very rude and didn't listen she also disputed one of my credit lines that was purchased by me. I contacted the creditor and they told me that the same person who disputed it would have to be the one to undue it! I have paid for this credit line and did not tell them to remove the credit line off my report. If they will not remove the credit line dispute I will be forced to take legal action.
Product: Checking or savings account

I was informed by several people that operate businesses in the same category as mine that Flagstar would be a good choice for my banking needs. XXXX at the XXXX XXXX XXXX XXXX, MI XXXX branch informed us that based on our business, ( which they already have customers who operate and have accounts with the same business ) they would not even entertain the idea of opening a business account for us. They did not want to see financials, credit, or any other information. Once they heard we operated an XXXX servicing business he said " they were no longer taking on any more XXXX companies ''.
Product: Debt collection

The company on my caller is is called Portfolio Recovery. They call at least once per day from multiple different numbers. I have blocked at least XXXX different numbers, and they continue to call to collect a debt Im not having to pay. They never leave a message.
Product: Credit card

I got an email that I applied for a credit card with the XXXX XXXX but they behave not. This is the second time this happened in the past couple of months.
Product: Debt collection

Last summer I started receiving letters from Cavalry Portfolio Services about a collection owed. I sent a letter to establish whether this was even actually anything belonging to me. They in turn responded with a letter stating it was and they would resume collection efforts. Not knowing my rights as a consumer and wanting to get them off my back and stop the harassing calls and letters I requested that they provide the original paperwork with my signature. Disappointingly nothing ever came except for some ineligible pages of some statements. After educating myself I realized I should have done more research. I've sent more dispute requests after the fact, to the credit bureaus, and debt validation letters and I'm getting no response or they are stating the debt is valid. No one has actually provided any evidence that this was in fact my debt. This negative reporting is hurting my credit report tremendously and prohibiting me from being able to purchase my first home. Secondly, I can not find them as a licensed collection company in the state of Illinois, perhaps I'm missing something. I was reading somewhere that collection agencies have to be registered in Illinois to collect.
Product: Credit reporting or other personal consumer reports

I have XXXX issues with Equifax I called XXXX  times and the call was disconnected I believe it's being done on purpose. the first person I spoke to was an analyst and their caller ID : XXXX then transferred to the supervisor XXXX caller ID : XXXX who ended the call on me before my issue could be resolved. 

XXXX. Lenders can not view my report for whatever reason, which is preventing me from obtaining credit. If this isn't resolved in the next XXXX days I'll be sending this to a consumer lawyer to sue for damages. 

XXXX. XXXX is unable to pull data from Equifax so I'm able to view my tri-merge report and FICO score.
Product: Mortgage

Both my partner and I were laid off during separate times of COVID shutdown. We did fall behind with our Mortgage Service -- Wells Fargo. We were asked if we wanted Wells Fargo COVID Relief forbearance program as an offer from WF. 
Our stable employment occurred in XX/XX/2022. We offered to pay back the forebearance amount via installments. WF said we did not make enough to pay the installments. WF completed a loan modification review in XX/XX/2022 stating we made too much for their programs, offering an only option is to sale the property. I filed an appeal and they 'denied " the appeal. 
We have contacted financial counseling as WF suggested. When the financial counselors call WF, they tell them we're ineligible for anything. 
All of this have me at risk of losing my new job, since it is reported I'm behind over {$40000.00} ( with an unreasonable amount of late charges being added monthly ) on mortgage as a gov't cleared worker. The adjudicators are wanting me to settle how am I going to pay my mortgage when WF will not allow me to pay. My partner and I do have a current bankruptcy which is being paid on time having nothing to do with the COVID relief. The bankruptcy was filed prior to COVID. 
Thanks in advance, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed XXXX that the XXXX XXXX credit card account found on my credit report was fraud and they still didnt take it off they keep running me in circles I have sent them letters from bank and collection agency saying its fraud. I want it removed off of my credit report immediately
Product: Debt collection

I have submitted this complaint in a prior complaint regarding XXXX  and National Credit Adjustment. They did provide a response however, it was not satisfactory. Since then the same collection has reported different information with XXXX Instead of just removing the item XXXX and XXXX continue to allow this collection agency to place false information on my credit with no verification. On XX/XX/XXXX, I disputed the information again. This is the second time it has occurred where false information has been placed on my credit report in less than a year. XXXX  attempted to keep me from disputing it online because they said it was resolved. This item was removed last year from my credit at both reporting agencies and this debt has been sold to a new agency and they are attempting to place the information on my credit as a brand new collection dating it for XX/XX/2019. It is impossible that this could have occurred due to personal circumstances I will not provide because they will simply change the dates to keep this on my credit. I have contacted an attorney regarding this matter and if this is not resolved I am prepared to file this as a class action against both reporting agencies because this is ridiculous. Its a game they are playing and the reporting agencies are not requiring proof. Since this was a new collection agency they were required under the law to verify the debt with me first. That did not occur. have not received any proof of the debt from either reporting agency or the creditor. At this time they all need to fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of Identity Theft, I submitted a dispute towards fraudulent accounts that were reporting on my personal credit report from XXXX, Experian and XXXX, yet to no avail. My dispute has not even warranted a response from any of the Reporting Agencies which makes me feel victimized all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXXTransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Checking or savings account

I am a XXXX XXXX who pd. my XXXX daughter 's XXXX " pay as you go '' phone bill of {$42.00} ( due XX/XX/XXXX ) on XX/XX/XXXX to be received by XXXX on XX/XX/XXXX via my U.S. Bank bill pay acct. 
XXXX disconnected my daughter 's phone on XX/XX/XXXX for non-payment. She had to pay {$42.00} cash @ a local XXXX store to get her service re-activated ( DOUBLE PAYMENT. ) Due to the forced " Double payment '' by XXXX, I stopped payment on my payment to XXXX with U.S. Bank. 
U.S. Bank claims they mailed a check to XXXX as they do not have a bill pay relationship with them, that was cashed by XXXX and provided me a copy of the cashed check. 
I requested a refund of my {$42.00} from XXXX. They claimed they never received the payment. 
Over the past month, I have been run in circles by U.S. Bank & XXXX. 
I sent emails to U.S. Banks. I phoned both U.S. Bank & XXXX on numerous occasions, only to be transferred to multiple reps in multiple depts. then told they can not help me. They point the finger at each other. 
My last phone call was a conference call initiated by a U.S. Bank rep w/ XXXX after claiming XXXX would not talk to them about my acct. After being transferred numerous times, the XXXX rep instructed me to go into my local XXXX store claiming " only a local XXXX store can help you. '' When my daughter & I went into the local XXXX store, just as I had expected, the rep was unable to help me other than to tell me the only XXXX payment that showed up was my daughters {$42.00} cash payment. He phoned XXXX, only to be transferred 5 times & getting nowhere. 
It is despicable that U.S. Bank would not take responsibility for " losing '' my payment ( for the 4th time in one year in the total amount of nearly {$6000.00} ) and credit my acct. the {$42.00} " in good faith '' as I have been a longtime loyal customer for approx. 10 yrs., since I entrusted them with my money to pay the XXXX bill. 
It is just as despicable that XXXX would " steal '' my payment, then disconnect her phone & force her to pay a 2nd time, since I was a longtime loyal customer of theirs for approx. 20 yrs. 
DOES U.S. BANK & XXXX NEED {$42.00} THAT BADLY THAT THEY WOULD COMMIT FRAUD & THEFT AGAINST A XXXX XXXX & XXXX ADULT? 
I want my {$42.00} back!
Product: Prepaid card

A XXXX  debit card from US Bank. This card has an expiration date of XX/XX/XXXX under my name. The issue : US Bank service procedures may leave customer in a deadlock situation, 1. I tried to check the balance on the date of XX/XX/XXXX at US bank web site XXXX XXXX XXXX XXXX 2. After I entered the XXXX digit card number and XXXX digit XXXX, the website does not show the information but displays " Please call the number on the back of your card to unlock your account. '' 3. I called the number on back of the card, XXXX. The customer service person asked for the following info from me : a. my full name b. my address c. last XXXX transactions on the card 4. I don't have the last XXXX transactions any more. The service person then asked to check balance on the website. 
5. Now I am in a deadlock situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a dispute stuck open on pending for three months now can u plz have them close the dispute the dispute number is XXXX plz have them close to is dispute thank u
Product: Debt collection

In XX/XX/XXXX I purchased an XXXX laptop from XXXX XXXX XXXX XXXX. The payment is due on the XXXX of each month for {$60.00}. The account has never been 30 days past due. I usually pay the bill around the XXXX of each month. 15 days past the due date. Starting on the day after the due date or the XXXX of each month they start calling, Today the XX/XX/XXXX they called my cell phone thirteen times. This is normal for Conns if its a day past due. I used my cell for work and can not be getting constant collection calls. It will be paid at the same time each month.
Product: Mortgage

I have an escrow account in my mortgage and Mr. Cooper failed to pay timely. XXXX Property tax were not paid until I received a letter from the County that they were delinquent. It took multiple attempts to get the taxes paid. 

XXXX Property tax have not been paid. I have called multiple times since XX/XX/XXXX to get this resolved. I am worried the same thing will happen that happened last year ... my house was going to be auctioned off due to failure to pay property tax.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Under the Fair Credit Reporting Acy section 605b, you are expected to remove the disputed items since these items resulted due to identity theft. I am requesting that you comply with the law and remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXX XX/XX/XXXXAccount Number : XXXX Account XXXX : XXXX Account Number : XXXX
Product: Checking or savings account

I opened an Ally checking account XX/XX/2022. I opened this account because I got an email saying I qualified for {$250.00} bonus when I opened one. I am on their mailing list because I have an auto loan through Ally Auto. I opened this account and made the qualifying deposit on XX/XX/2022. I was told by a customer representative that I would have my {$250.00} by XX/XX/2022. 

Here are her words exactly on XX/XX/2022 Hello this is XXXX! Thank you for messaging with me today, here at Ally Customer Care. I am showing your 1st qualified deposit was made on XX/XX/2022. According to the email that was sent out to you. I am showing it advies that bonuses will be paid within 30 calendar days after receiving the qualified direct deposits. I am showing that is XX/XX/2022. 

I asked today XX/XX/2022 and they told me they could not do anything if I didnt have the promotion code in the original email. This email has since been deleted and can not be recovered. I told them that I had emails saying I was signed up for the promotion and still they said there was nothing they could do. Even though they sent me the email and I have proof I signed up for this offer. This proof includes emails all the way up until XX/XX/2022 saying I am still enrolled under the promotion The last response I got was this. 
I do apologize for the inconvenience, but without the promotion code, we are unable to create the case. As our office is an inbound contact location, with a large number of security policies, we are unable to access any email system, but we are also unable to access the email account of the agent that sent the email to you. The only option would be to have the promotion code. 

This is a scam and I want this resolved. No telling how many other people signed up for this and never received their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX 's XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - In accordance with the fair credit reporting act 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: Checking or savings account

I ordered my XXXX  report and it indicated that I still have an open checking account with TD Bank. I contacted TD Bank and they confirmed that I do not have any open checking accounts with a balance. They informed me that I need to contact XXXX in order to get the information updated and/or removed. The date it was reported was XX/XX/XXXX. The closure status says : NOT REPORTED. The amount is for {$590.00}. I paid this account off in full in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried reaching XXXX Transunion XXXX to alert them that i have not made any of these accounts they ignore my request and they are putting me in a bad position due to having a XXXX im trying to get a new loan on my house and get it equipped for my condition. I went to apply for a loan and they are reporting false inquiries and accounts that are not mines This is costing me time and stress because they are failing to remove the things that aren't mines. I only have a house loan i didn't open or apply for anything on my credit report. I requested that a freeze be put on my credit report and i get a phone call when applying for lines of credit. I These 3 companies have used a automated service and ignore my request. im going to forward this to the white house if this matter is not took care of.
Product: Student loan

In XXXX of XXXX I requested a refund from Aidvantage for payments I made during the XXXX payment pause. There were XXXX payments made totaling {$5400.00}. The representative told me my request needed a supervisor 's approval since it was over {$5000.00} and that the process would take XXXX weeks. 

I followed up several times over the next 2 months and was told to expect my refund " any day now '' and that it was in processing. I proceeded to consolidate my loans in order to apply for loan forgiveness after being advised that it was ok to do so since the request was in processing. When I followed up on XX/XX/XXXX ( 2 months since request ) I was advised that they were so sorry but no one had ever submitted my request but that they would do so then. I was told it would take XXXX weeks from then. I have followed up every XXXX weeks since then and have been assured that things are moving along and that my request is being processed and to expect my refund by mid-late XXXX. 

I reached out to Aidvantage via email yesterday and was told that since my loan had been transferred ( back in XXXX ) that they could no longer submit the request on my behalf as they are not my current servicer. I called them today to question that, and the gentleman told me that was correct and that I needed to try XXXX, my new servicer. In speaking with XXXX I am being told that since my loans are consolidated now that I am unable to get a refund. I requested the refunds 2 months prior to my consolidation and was advised by more than XXXX Aidvantage rep that as long as my request was submitted prior to consolidation that it would still be processed. 

I have now spent nearly 5 months chasing my money and feel that Aidvantage and its representatives were negligent in not submitting my requests as promised.
Product: Checking or savings account

My Chase checking account was closed due to their statement of fraud. I deposited a check that was not under my name ; it was a scholarship I had received, and I was under the impression that it belonged to me, not the XXXX XXXX XXXX XXXX XXXX. I approached the bank and asked what exactly was happening. The guy told me, with an attitude, that there was nothing he could do. I visited a branch office, and the person who helped me tried speaking with someone from the verification branch of Chase and told him that I couldn't apply for a checking account due to my history of " fraud, '' even though I had just turned XXXX and it was an honest mistake. The guy at the branch submitted a complaint on my behalf ; it has been over a year, and they never answered back. I tried to apply with other banks but had no luck either. I currently have no bank account under my name. As a student, this is very critical. I just want this to be resolved. It has been over a year now, and I don't want this mistake to affect my adulthood.