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

In about XXXX of XXXX, I tried to receive a cashapp from my brother, but there was something wrong with transaction. We reached out to cashapp and were connected with a representative. This person was able to gain access to our accounts and added people to the receivers lists and began making transactions from our accounts to theirs. One transaction was for about {$700.00}. I changed my banking information to stop the fraud. After that, I contacted cashapp again and was never contacted back. Another incident happened in about XXXX of XXXX where my information was compromised again somehow and someone was able to open their own cashapp using some of my information. My cashapp was then closed in XXXX. I have been contacting cashapp since then to find out what happened. Every rep that I speak with ( via email or chat ) has not given me any information, and will not tell me why my account is closed! I am being denied any opportunity to open another cashapp even though I explained that I was scammed and that I want to see how to resolve the issue. I will upload a picture of the emails that I get with not clarification or anything. When I reply, I get the same message, but from a different person.
Product: Checking or savings account

Etoro option promised a bonus for depositing {$500.00} in funds, I had completed the terms yet the company refuses to honor the bonus offer by claiming that I had " abused '' the program and that it arbitrarily reserves the right to decline the promotion. 

As I have completed their stated terms I feel that the company should honor its offer.
Product: Debt collection

On XX/XX/21, A man with a very thick accent called to say they were sending me letters to my home ( where I no longer live ). That they are trying to help in a situation with my daughter and just need me to verify some information. I asked several times, what type of company is this. What services do you provide. He kept evading the questions. He just kept repeating we are calling to help in a situation with your daughter and then said her name. The caller kept pressing me about the verifying some personal information. I finally said " XXXX '' as to indicate the house numbers to my former address. He then proceeded to say this is ... ... .and we are attempting to collect a debt. I told him what he did was illegal and I hung up. 

The company Healthcare Revenue Recovery Group. The phone number XXXX. 

The crazy part? My daughter has XXXX XXXX and XXXX XXXX and was covered under XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm showing a balance of {$500.00} from Affirm on my credit report, where this XXXX account XXXX account number was paid in full. 
XXXX XXXX account balance paid in full also. 
XXXX XXXXXXXX account balance paid in full also.
Product: Debt collection

This account is not owed by me. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized activity must be removed and blocked from my credit report. This company is also violating the Texas XXXX XXXX XXXX XXXX ( f ) They are trying to make me pay a debt for the all apartments in one building and is also contacting me for this debt when i told them to stop. If this is not removed from all my credit bureaus I will be taking farther legal actions.
Product: Money transfer, virtual currency, or money service

Between XXXX and XX/XX/year>, I fell victim to a multi-layered scam operation run by gmxame.com which involved me making deposits for a total amount of XXXX USD from my US Bank account to fraudulent investment firm ( s ).
Product: Credit reporting

I have a collection that 's been showing on my Experian and XXXX report for a while that is not mine. I disputed through XXXX, and receive a verdict that they were unable to verify this was mine, and they agreed to remove trade line from CRA 's in 2012. They are still on today and disputes did not work with Experian or XXXX, and Collection Agency is not acknowledging the letter they send agreeing to remove from my reports. 

The tradeline on reports is XXXX, they also go by XXXX XXXX XXXX XXXX XXXX it looks like. 

Please help me get this resolved, it 's making it hard for me to get an affordable rate on a vehicle for my family.
Product: Prepaid card

I've tried several times to use an ATM to withdraw my money but my card never works. I contacted direct express multiple times to resolve this issue. They would say we've looked into it, try the card again in a couple of hours and it should work. I've tried this approach for several days XXXX or XXXX  times a day without any results. Then, when I tried to send money to a friend my card is declined. I'm exhausted and would like access to my money.
Product: Debt collection

I am writing to dispute the account listed below, which appears on my credit report. I assert that this account is not mine and I am not responsible for the debt associated with it I have never opened an account with this creditor, nor have I authorized anyone to use my information to open an account. I believe this account may be the result of identity theft or a clerical error.
Product: Debt collection

I received a debt settlement letter from a collection agency for a medical bill. The last day to pay the settlement amount is on XXXX/XXXX/2016 ; today is XXXX/XXXX/2016. I called today to pay the debt in full, but was told that the bill was sent to their attorney 's office and the collection agency could not talk to me or receive a payment from me. I was told that if the collection agency spoke with me, that it would be against the law. The letter mailed did not mention anything about the account being sent to an attorney 's office, if contact was not made. I tried to inform the collection agency about the settlement letter received, but again I was told that they could not talk to me. I then spoke to someone in their attorney 's office and was told that the settlement offer ( which expires tomorrow ) will not be honored because the bill was now in the attorney 's office. I was told to call back on XXXX/XXXX/2016 at noon and the supervisor ( who was not in at the time of my call ) will make a decision whether to honor the settlement price, which was unlikely. I even faxed a copy of the settlement letter as proof, because the attorney 's office did not have it.
Product: Debt collection

I had an arrangement with XXXX I lost my job and then they did not contact me nor did they try to work with me. I than I had contacted them nurmous times to try to make an arrangement they would put me on hold and they would not work with me. They sent me to collection agency which I found out in XX/XX/31 that an office was going to my mailing address and my former employer. I had not had any type of correspondence from either of the companies now I have added interest and legal fees that I don't feel I should have pay if I had no correspondence from them. I feel like this is unfair and they are using gray areas of the laws to charge the anomus fees to the consumer.
Product: Bank account or service

On XX/XX/2016 I went into my local Key Bank branch to withdraw {$4000.00}. I told the bank that I would like to deposit the cash into another account and provided the bank card of my partner, XXXX. The cashier called the bank manager over for an override authorization and he said, " before I can complete the transaction I need to know who XXXX is and why you are giving him money. '' I was shocked and asked why and was visibly offended by his question. His response - " I am just making sure you are making good choices with your money. '' I provided him with the information and after he entered his authorization and walked away I told the clerk that it felt very intrusive. Her response - " He is just looking after your best interest. '' As though I should be thankful that my bank is monitoring how I use my money. 
If I would have answered differently would I have been able to withdraw my own money? I felt extreme discrimination and can not understand how this autocratic behavior is acceptable at any bank in the US. The bank manager reviewed my account prior to asking me the question so I know he could see that I work for a premiere technology company and that I have significant accountability professionally. It was apparent to me that the only reason he felt I was not able to make " good choices with my money '' was because I was female. I assure you that I am very capable! 
I called customer service immediately upon returning home. After listening and empathizing, the agent told me there was nothing she could do since it had to do with client services. She said she could bring the topic up for discussion in a team meeting. She continued by saying the only way to file a complaint with Key Bank was to write a letter to a XXXX XXXX XXXX XXXX. There was no option for voice or electronic communication. 
I called trying to find client services and was directed back to the bank manager. I am starting to see why he felt so secure in the way he acted. 
I felt you were my last resort. Thank you for having a means to ensure Key Bank knows of the actions that are taking place in their bank.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the account associated with my name that your agency is attempting to collect. I recently received a notice from XXXX XXXX, dated XXXX XXXX XXXX I have several reasons to believe that this account is an error, including but not limited to : 1. Identity Verification : The account in question does not match any transaction or credit history associated with my personal information. I have verified my records thoroughly, and there is no history of any dealings or financial agreements with the creditor stated in your notice.

2. Lack of Supporting Documentation : The information provided to me lacks any concrete evidence or documentation supporting the validity of the debt. I have not entered into any agreements with the alleged creditor, and I request that you provide detailed documentation verifying the legitimacy of the debt.

3. Potential Identity Theft : Given the absence of any record related to the mentioned account, I am concerned that this may be a case of identity theft. I urge you to investigate this matter promptly to prevent any further misuse of my personal information. I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to removed negative marks from my credit report. I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. 
Please review this and remove this as soon as possible. I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports
Product: Checking or savings account

XXXX XXXX my bank account from Huntington was taken out for withdrawal under miscellaneous for {$1500.00} and I call the bank and ask them what was that transaction? The bank told me they dont know and will investigate. I also went to their branch in XXXX because I felt whoever I talked to was not much of a help. The teller I talked to also said this was a very strange transaction and she never seen anything like this. She couldnt figure out what this miscellaneous transaction was and told me she will put in a dispute for me. Two weeks have gone by and I didnt hear anything from them so I gave them a call back to check on the status of my dispute. The customer service told me that I withdrew {$1500.00} in XXXX and it was their fault for taking money out 2 months later, they kept apologizing saying it shouldnt have never happened to me and shouldnt have taken that long for the transaction to appeared. I told them I didnt withdraw anything for that amount and asked for proof of transaction in a documentation. They said they will send a letter explaining to me about what happened. XXXX week went by and I waited but no letter from the bank so I decided to give them another call, they told me there is no documentation or letter to show what happened and kept apologizing again. Most withdraw transaction say money withdraw but the {$1500.00} they took out it said miscellaneous, I found that transaction to be very strange and this bank is just trying to cover up someones mistake by blaming me. And I XX/XX/XXXX they took {$700.00} from my sons checking account and add that amount to my checking because they said my name was also on his account. Even though my name is on his account, they shouldnt have taken money out of his account because he is a XXXX XXXX student and work only part time and now he have no money to spend. He worked very hard just to save up to {$700.00}. I called the bank to ask them why did they take the money from my son and they said to cover the negative account in my bank. I told them its not right for them to do that to me as a single mother and to my son because they are ruining my bills I have to pay. They apologize again and nothing was done. I then asked again if they have proof for my {$1500.00} withdraw and they told me they dont have any letter to show it and cant provide anything. I am very angry with this bank and the poor customer service they have, I feel like they arent trying to do anything to help me.
Product: Debt collection

-On XX/XX/2023 I was sent a letter alleging a debt owed. 
-I 've also received multiple harassing phone calls. 
-This debt is regarding technology equipment from a previous company which was returned via XXXX  arranged by the company. I have added proof of emails that is attached to this. 
-A formal letter certified letter was sent on XX/XX/2023
Product: Credit reporting or other personal consumer reports

I have several accounts on my credit report that are not reporting accurate and I have sent Equifax multiple request to correct the information and they NEVER respond. I have disputed thing in the past, about XXXX years ago and received updates in the mail. Now that I'm trying to fix new issues, I get XXXX response from Equifax. Instead what I get is them making things worse, reporting additional inaccurate information! I have XXXX XXXX XXXX XXXX accounts that were included in a XXXX in XXXX because of XXXX. XXXX XXXX XXXX : Account number XXXX  XXXX and XXXX XXXX XXXX : Account number : XXXX. I disputed these accounts on XX/XX/XXXX for the following reasons : The account number is inaccurate and different on the other bureaus, the terms are inaccurate and different on the other bureaus, the past due is incomplete, the payment status is inaccurate and different on the other bureaus, the last date reported is inaccurate and different on the other bureaus, the last date active is inaccurate and different on the other bureaus, the date of last payment is incomplete. Since Equifax NEVER responds to any disputes, I checked my credit report hoping they juts fixed the accounts. Instead, the removed the XXXX status on these XXXX accounts and reported them with BRAND NEW LATE PAYMENTS in XX/XX/XXXX and XX/XX/XXXX!! How can you be late on an account that has been closed and handled in XXXX since XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX several times trying to get them to remove information that is inaccurate. 
Two times before they have verified information that is not mine.
Product: Credit card or prepaid card

Order XXXX was placed to Nordstorm, they shipped said order by XXXX XXXX. XXXX XXXX tracking. The said package arrived in a small box. However, upon opening the package, only one item was in said package. This was a tshirt/tank top. I advised nordstrom via chat and was told a refund would be issued. However, they denied the claim and stated the package was delivered. The delivery was never in question, what was in question was the items packaged. I only have one item. They need to refund the items not included. They have an issue with the warehouse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion and XXXX  regarding incorrect information on my credit report. The dispute was filed the same time with XXXX. XXXX investigated and deleted the item meanwhile Transunion and XXXX  have done nothing. This is adversely affecting me and I want this incorrect information removed.
Product: Credit reporting

I never signed an agreement with XXXX XXXX XXXX and I have asked for the debt to be removed from my credit report. I have asked all XXXX credit bureaus to remove it from my credit, I do not have any proof this debt from XXXX XXXX XXXX or that XXXX XXXX XXXX has the right to collect any debt from me. The credit bureaus should have proof from the creditor before placing this on my credit. It needs to be removed because this is illegal per the FCRA. The credit reporting agencies need to verify actual proof by asking for proof. The credit bureaus just asking companies to verify information is not an actual investigation. This is illegal and huring my job prospects.
Product: Credit reporting, credit repair services, or other personal consumer reports

I happened to check out what was going on with my credit report. I noticed an inquiry that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Report # XXXX I received a XXXX score today through my account at XXXX XXXX that shows a XXXX score of XXXX. 
My bank received this information based on a FICO Score XXXX and provided by Experian. 
Why the difference between what the Experian XXXX states and what Experian is reporting to others? 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX at night, I initiated a payment from my XXXX XXXX XXXX account, realizing the fact that my autopay account ( XXXX XXXX ) doesn't have enough funds. When I submitted the payment the verbiage said, as I am submitting this payment my autopay will not happen. ( I tried to tell that to the company but they are saying did I keep a screenshot ). 

XX/XX/XXXX or XXXX, I saw they tried to pull the money from both accounts and hence had a return check fee charge from my checking account. I called both discover and my bank. Discover told me to wait till all of these gets posted and they can fix this. Bank said they have to charge this fee for returned XXXX. 

Now, today I see that they tried to get the funds again from the same account and hence got another returned check fee charged by my bank. 

1. Discover charged me XXXX returned check fees which they were kind enough to credit me. 
2. But I will have to pay the {$66.00} for a situation which I am not responsible for? 

I want the credit of {$66.00}. 

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

XXXX has reported on my credit acceptance corp. account that it is reposession even though it has been settled in full and no lien on the car and also have reported as of XX/XX/2018 as a credit card when it was a car loan ... ..also i have a issue with XXXX XXXX for not removing my XXXX XXXX account as late when the account is closed and is past the statue of limitations but XXXX has also reported the XXXX XXXX XXXX XXXX account as a credit card when its a car loan as of XX/XX/2018 i have personally disputed XXXX XXXX XXXX XXXX and credit acceptance with XXXX for the last 2 years and no matter how many disputes i mail them they refuse to remove either account from my report so i can not get a car
Product: Mortgage

I contacted PHH Mortgage to provide my statements via mail ; they refused. I asked them to a least provide the tax statement at the end of the year via regular mail. They told me that they were going to do it. However, they have n't provided any information via mail. 
I tried to login in their website for days now and I keep getting the message below : We are currently upgrading this website. 
The site will be back up no later than XXXX Eastern time. 
Please stop back. 
I need my loan tax information to complete my tax return. During the week is very difficult for me to call them because I work from XXXX to XXXX. However, I have tried a couple of times to call them from work. I got put on hold for over 20 minutes. I do not have the time to be on the phone that long. I only get 15 minutes breaks from work. 
Can you please help me to get my tax information via regular mail? 
Thank you, XXXX
Product: Checking or savings account

Rockland Trust Bank XXXX XXXX MA XXXXXXXX XXXX Unjustly used private business banking information comments on social media. As far as I have been told by my lawyer, it is unjust and uncalled for, for there to be private information about a business account told over social media from a current employee. I am beyond upset that she would make comments regarding a private banking issue on a social media platform.
Product: Student loan

In XXXX of XXXX I requested a full refund of the {$7400.00} I paid during the XXXX  payment pause. After many hours on the phone, most of that on hold, over the course of 6 months, I received notification yesterday that they were processing a refund of {$3800.00} - barely half of the amount I paid and requested. 

To note, I have receipts and proof of payment ( s ) to prove that these payments were made between XX/XX/XXXX and XX/XX/XXXX but I was never asked for these receipts or proof of payment.
Product: Credit card

XXXX recently implemented changes to data availability to third-party websites, apps, and data aggregators. Rather than allowing third-parties to scrape their data, they are instead now funneling all of that to XXXX, which was at one point their own firm that they spun off and are heavily invested in. 

With this change, XXXX is taking choice out of the consumer 's hands when it comes to data aggregators and forcing them to use aggregators that XXXX itself has a vested interest in seeing succeed.
Product: Credit card

XXXX credit inquiries showed up on my credit report from JPMCB on XXXX and XXXX, attempting to open an account. I called the company and reported fraud XX/XX/XXXX and again XX/XX/XXXX.
Product: Debt collection

They are saying that i owe this debt, that they say i owe them. I have send " General Affidavits '' to them as well, and asked them to send me my signature baring that i owe them, they can not provide proof of contract stating that i owe them.I am seeking out a lawyer on this situation. Its has ruined my credit, all because of them not validating what i have requested for them to send me.
Product: Checking or savings account

I was issued a Chime debit card that I did not request. The card has an incorrect first name, correct last name, Current address. They have my phone number and email address. When I called their number listed on the card and website, they called me back as being verified. The automated phone system requested that I press 1 if I requested the call. Every time I press 1, the phone hangs up. Can't find any other way to contact them other than their listed phone number. I don't know if a bank account is attached to this account, I did not finish setting up this account with a Direct Deposit as requested. There were no hits on my credit bureau accounts. Would really like to know how this account was set up without my approval and with an incorrect first name.
Product: Credit reporting or other personal consumer reports

i filed a dispute with transunion through XXXX XXXX. 
in was under investigation for 3 month and came back with nothing changed. 
this dispute was for apartment rental which tried to collect 12 month of rent when first month was free and while going through divorce.. we were late 2 month and they served a eviction notice. they are now trying to collect for full 12 month of rent plus interest for total of over {$40000.00}.