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

I received XXXX class action settlement notices from Cash App saying that I qualified for a refund. When I filled out my claim form online I could never press submit at the end to receive a confirmation. I looked on my social media to see when payments were being rendered and some people had received them. I never received my payments or any notification that my claim went through at all. I tried multiple times on XXXX different computers but it did not work. It saddens me that I also just reported that someone stole my identity on cash app recently and created an account without my consent. So this is scary that I submitted my information and never received anything. 

Also, I was the guardian of my sister from XXXX  earlier last year on my cash app account. She ran away and I begged cash app to restrict her account and send me the funds immediately. They never did and she was able to book her an XXXX, sneak out the window, and disappear. I missed work due to this and worried myself sick but the only service they could offer was chat messages which did nothing for days. Never got a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Waypoint Resource Group on XX/XX/XXXX around XXXX. I spoke with a female representative about an account on my credit file that doesn't belong to me. My XXXX  credit file reported this incorrect information on XX/XX/XXXX. The original creditor is listed as Waypoint Resource Group. The account was assigned to them on XX/XX/XXXX. The original amount owed and the amount listed is {$1200.00}. The status is unpaid. The balance date is XX/XX/XXXX. The account designator code is listed as INDIVIDUAL_ACCOUNT. The account number is listed as XXXX. The creditor classification is cable or cellular. The last payment date is blank. Date of first delinquency is XX/XX/XXXX. This is the information listed on my credit file. The female representative I spoke with today attempted to look up the account using my first and last name and the amount owed. She stated that nothing is coming up under my name. I informed her that the information was added to my account on the date listed above. She insisted that I provide her with my full social security number and that was the only way she could look up my account. I told her that I would only give her the last four of my SSN. She stated that would not be sufficient. I disputed it with the creditors and this information hasn't been removed from my file. I don't owe anyone this money for anything. I have only one creditor who I do business with and that is XXXX XXXX. I would like this dispute reviewed, addressed and removed from my credit file immediately. This is fraudulent and inaccurate information and I do not owe this money. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint regarding TransUnion not reporting my information correctly. I have provided documentation to TransUnion verifying my identification and address. TransUnion continues to report they can not identify me, this is very alarming to me. 
I have provided my paystub, my social security card, my birth certificate and now my passport. Now I am having to keep sending all of my personal information out just so that TransUnion can tell me that they can't identify me?? Somehow TransUnion must be reporting someone elses information on my report because when I spoke with them on the phone today, their verifying questions do not even pertain to me, additionally TransUnion had an employer reporting that I have never worked for and an auto loan that was not ever mine? Yet, TransUnion will not update MY information?? And because of this, I can not obtain credit because no one can verify MY information. This has been going on for over a year now! An d now TransUnion is telling me that a freeze has been placed on my report and wanting a pin number to reset it?? What I also do not understand is TransUnion did have my correct address reporting XXXX of 2020, but then changed it sometime to an incorrect address?? Why?? ( see attachments ) This entire situation is ridiculous, and TransUnion is directly interfering with my financial abilities and preventing me from advancing financially.
Product: Credit card or prepaid card

On  XXXX ,  XXXX ,  XXXX  and  XXXX / XXXX / 2017 , credit card purchases were m ade at Home Depot.  The  XXXX  purchases were, without the approval or desire of the cardholder, entered into a " Promotional Purchase '' scheme whereby no interest would be charged as long as the balances were paid off by the date indicated. The problem with this scheme, in addition to being unwanted by the cardholder, is that it is not possible to pay off a particular balance, even when you send the specific amount as they break up the payment between the promotional balance and the revolving balance, or apply the amount solely to the revolving balance, which then triggers the accumulated interest. The only way to avoid the deferred interest charges is to pay the ENTIRE balance before any of the promotional balances come due because of the way they randomly split up your payment. They told me when I called that it is mandatory on all purchases over {$290.00}, yet  XXXX  purchase  (   XXXX / XXXX / 2017   ) was only for {$100.00}. When I tried their " Contact Us '' feature on their webpage, their response  sends you to the card issuer, not the retailer. This seems to me to be a retailer imposed policy not Citibank. Additionally, they  ( Home Depot )  mail me " coupons '' on a regular basis to REQUEST this promotional balance offer on large purchases. So it sounds like I can use the coupon or not, yet in practice, they force the product on you in hopes that you fail to satisfy 100 % of the outstanding promotional balance, that you can not control how your payment is applied.
Product: Debt collection

To Whom it my concern, I am being fraudulently pursued by XXXX for a debt I do not owe. XXXX claimed that I owed them {$450.00} and sold the debt ladened with false fees to a company called XXXX XXXX. I disputed the debt with the credit agencies and the debt was deemed illegitimate because XXXX and XXXX could not prove why I owed that amount. The debt under XXXX was removed from my credit report and a week later I began receiving calls from XXXX attempting to collect on the very debt that they could not prove. I informed them that the debt was disputed and removed from my credit report. A month later however a different company named diversified consultant reported the same debt on behalf of XXXX to my credit report. I called the company and they informed me that XXXX had sent the debt back to XXXX  who then sold the same disputed and disproved debt to them. I am now disputing the same debt twice with two different companies. XXXX who allowed a secutiy that put y name, address and social security number at risk, all they offered in return was one year of free credit monitoring. An irresponsible and fraudulent company such as XXXX should not be allowed to endanger my personal information, charge me fradualent fees while I travel abroad and then sell the same debt I have disproved to multiple companies. I will pursue this to the full extent of the law i.e. I will suing. 

XXXX
Product: Money transfer, virtual currency, or money service

This complaint pertains to the practices of Block, XXXX XXXX, a company frequently getting in trouble with the CFPB. 

I received a call from a scammer who stated she was from my cable company and would give me a discount in exchange for a {$190.00} fee. I paid the fee via credit card and the charge said " XXXX XXXX XXXX XXXX ''. 

As this was a scam I tried to reverse the charge with my credit card company. Block refused to refund the money despite my offer of evidence ( including a recording of the call ) that the caller and account user was a scammer. 

That is, not only did they refuse to refund my money, but they refused to investigate the fact that their payment platform was being used for wire fraud. 

Block supplied information stating that the merchant in question was named " XXXX XXXX '' ( short for XXXX : - )? and was a taxicab and limousine business. 

I question how they would allow a taxi business to use the merchant name " XXXX XXXX '' unless they knew and didn't care that this would be used for fraud.
Product: Credit reporting or other personal consumer reports

Between XXXX XXXX XXXX XXXX XXXX XXXX XXXX your XXXX XXXX XXXX XXXX account status changed from " Current '' to " 30 Days Late ''. 

But on my payment history there was a payment recorded for XXXX XXXX XXXX and processed on XXXX XXXX XXXX 

This information is incorrect and has negatively effected my credit report and I have disputed this issue several times at this moment with no momentum towards a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and fraudulent accounts have been opened in my name XXXX XXXX is still reporting information about me that is false from checking accounts that were open fraudulently. A XXXX Checking account was opened in the year of 2014. A XXXX XXXX XXXX checking account as well.
Product: Mortgage

Back in XXXX my mortgage loan was sold to Selene XXXX  while we were in bankruptcy. Once we came out of bankruptcy in XX/XX/XXXX we began making our own payments. We were able to make a very large payment of {$25000.00} on the principle in XXXX of XXXX which allowed us to bring our threshold down to 76 %. We are now down below the required 78 % but they state that because we do not have XXXX  years of on time payments that the pmi will not be removed. I have had this mortgage since XXXX, my mortgage has been sold 6 times and I was finally able to get my principle below the 78 % and they still won't remove it. Can someone please help me? 

Thank you XXXX XXXX
Product: Debt collection

AWA debt collections are in the wrong. The fee continues to rise at XXXX  dollars. I don't owe them anything. I'm willing to pay XXXX if I need to. But it's postposterous to be owing a debt collector money and I have not made an agreement to owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I tried to send {$800.00} to an account on Cash app that I also own. I have always done this every start of the month for a very long time. This time the cash app was responding as if it didn't go through. I did it 2 more times and again not showing up. I tried to log into that account that I was sending to and it was not only not showing up but we couldn't access the account either. I immediately started to correspond to Cash App and this company is so completely comical ( I don't mean this in a good way ) in how they respond. I could only speak to them through email at this point as they had NO phone number for customer service. Each correspondence would take 24 to 48 hours for them to get back to me. I then could not access the account the money was sent to and the way Cash App works it will not let you out of one screen without creating another account. I have all accounts created with all phone or emails attached to them and no matter how I tried to prove my identity then wouldn't help me. The next customer service rep who did respond after waiting 24-48 hours would start the whole process over asking the same canned responses/questions. 
I finally had over 60 emails that I printed out after 3 weeks and mailed them direct along with a letter to their corporate headquarters in XXXX XXXX. They received it on XX/XX/XXXX and never responded to me. In the meantime, I kept trying my hardest every day to talk with them or fix the situation and they kept up with the same canned responses and never reading the previous correspondences. 
I then filed a complaint with the XXXX last week and then on XX/XX/XXXX they opened up a chat feature on the phone and again same XXXX canned responses and never reading any previous responses and I even offered my credit card info, social security, bank statements etc to prove who I am, at this point I am desperate because I don't know too many people who can live without {$2400.00} dollars and still pay bills. 
Then at about XXXX this morning after another long morning of frustration and me again being in tears I go to my computer and on one of the accounts that I kept looking at but never had shown the money mysteriously shows the {$2400.00}. It cost me {$36.00} to access the money instantly. I wasn't going to allow them to have 1 more day of my money nor do I trust them at all!!! I have been having severe anxiety and stress the entire 5 weeks because they were holding my money hostage and with no human interaction to help me get it back or repair the issue.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$440.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$820.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I requested an online free credit report from Experian. Upon looking at the report I discovered that they had the wrong SSN ( which is in my opinion a cardinal sin for a credit reporting company ). I tried to dispute it online but i was informed I needed to call them. I called them and it took 46 minutes to get an unsatisfactory resolution. I requested them to change it and they did but they said that I could not have a report for 30 days ( online ) and a report in 7-10 days by snail mail. When I requested them to overnight it since my lender was waiting for it they said they could get it to me in 2 days but I would have to pay {$20.00} for it. The supervisor I ended up talking to was XXXX XXXX ( he would not give me his last name ). Since my lender needed the report asap I had to pay {$20.00} for Experian using an incorrect Social Security number on my report and for them to get me a corrected report in a timely manner. I think that this is an egregious mistake by a credit reporting bureau and they refused to correct it without me paying a financial penalty for their mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

BETWEEN  XXXX    XXXX 2017  THRU  XXXX   XXXX ,2017 I HAVE OVER  XXXX  UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT I SENT LETTERS TO ALL .AND ASK TO BE REMOVED FROM MY CREDIT FILE. IF YOU SEE MY CREDIT FILE YOU WILL SEE I HAVE HAD FRAUD ACTIVITY BEFORE ON MY ACCOUNT WHERE I PROVIDED A POLICE REPORT. PLEASE REMOVE FROM MY CREDIT FILE THESE UNAUTHORIZE INQUIRES
Product: Credit reporting

My information and twin brothers information is being included together because our social security numbers are a digit off
Product: Debt collection

Pro Collect continues to harass me stating I owe them XXXX for an apartment I stayed at ( XXXX XXXX ). I have paid my debt to the XXXX XXXX XXXX. Pro collect continues to report this on my credit reports and demands I show them proof that I paid the original creditor. I have never signed a contract nor done business with procollect and do not owe them money. Pro collect is a third part collector and has no legal right to ask me for proof of business between me and XXXX ridge apartments. I have attached the email from XXXX XXXX, The apartment XXXX from where the bill was paid. Pro Collect still refuses to remove this from my report. I have tried to contact this company several times to speak about this manner, I get yelled at, threatened and hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

after I got an credit card my credit score was dropped by XXXX XXXX and there is no explanation as to why my credit score was dropped by these many points and also when ai am logging on to my account I feel as though I am being cyber stalked because A Calculator pops up and i don't have or have I installed a calculator app on my laptop I know that I lost my wallet but I have been experiencing this type of cyber stalking since I lost my wallet I believe that some in my neighborhood or some one with in the Navy Federal Credit union that is cyber stalking my laptop given i lost my wallet while I was at home I have been reporting this incident as much as I can even now have this cyber stalking calculator in my tool bar nowI just want to know how I can stop this cyber stalking its not safe
Product: Credit reporting or other personal consumer reports

I saw a hard inquiry on my credit report back in XXXX made by XXXX on my XXXX and Experian credit reports. I called all three companies to notify them that I didn't authorize the inquiry and it was not made by me. I then put a freeze on my credit with all three credit bureaus. I was told it would take XXXX months for the inquiry to be removed by XXXX, Experian, and XXXX. I've recently removed the freeze from Experian, XXXX, and XXXX. The changes haven't been made and it's been 5 months.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I has a fraudulent accounts on my reports, please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Bank account or service

On XXXX/XXXX/2016 I called Citi at XXXX and spoke to an agent at XXXX EDT who opened up a Citi Gold Checking account for me with the following promotion code : XXXX agent said long as I make {$1000.00} in debit purchases and two consecutive monthly bill pays I would receive XXXX XXXX miles accounts within 90 calendar days from the date when I completed the offer requirements. All the offer requirements were completed on XXXX/XXXX/2016, and 122 calendar days have passed but the XXXX miles have not been added to my Aadvantage account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid if my vehicle loan form Santander auto loan a year ago, at XX/XX/2020, the paid off report was never sent to credit report services. I contacted the Santander bank a hundred times, getting only promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX A late payment showed on 4 of my Nelnet student loan accounts and credit reports. On XX/XX/XXXX, I called to let the company know that I had no late payments on my student loans. On XX/XX/XXXX, I again contacted the company to remove the late payment. The company advised me that there is nothing that they can do to remove it. 
I also contacted the 3 credit bureaus XXXX, XXXX and XXXX to remove late payment to no avail.
Product: Credit reporting or other personal consumer reports

EQUIFAX is not reporting my information to MyFico and it is hurting me. I am not able to get my credit limit raised, new credit cards, a home loan, and more. This is running my mental health into the ground. I can not work with these people. They never answer my letters or my calls either.
Product: Credit reporting or other personal consumer reports

I have never heard of Lexis Nexis. I never " opted in '' to ANY of their products or services. I have no idea what they are and do not want to be involved with them in any way. They send me things in the mail saying they are " unable to process '' a request I made. I have made NO requests and I will not be sharing any of my personal information with them. I want this company to remove my name and personal information from whatever it is they do.
Product: Debt collection

Received letter from " XXXX XXXX XXXX '' of threatening they would access XXXX, XXXX for {$510.00} payment of a " Check N ' Go '' bill where i was told there was no account this caused me to think i had the wrong business. Followed up with " Check N ' Go '' to resolve issue. Called corporate given another 800 # a total 11 different contact numbers, on XXXX to XXXX kept getting transferred to 800 # 's all were refusing to resolve payment for {$310.00} where i was told there was no account. The Company Letter head is " XXXX XXXX XXXX '' XXXX but voicemail said " Competitive Contact Solutions ''. No payment was submitted to them because they used two different names and threatened SSI & SSDI. Called back the next day there voice mail said " XXXX XXXX XXXX ''. Want to resolve the bill but I don't want to send money to a fraudster.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a request to Chase auto to investigate accuracy of information on my Consumer Reports. 
They sent their response and dated XX/XX/XXXX which I have attached confirming that the reporting information is accurate. 
Chase is in violation of 15 U.S. Code 1666 ( a ) 15 U.S. Code 1666b ( a ) 2 15 U.S. Code 1681i The inaccuracies include ; 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 XXXX
Product: Debt collection

Im receiving help from XXXX XXXX XXXX. XXXX XXXX XXXX has not notified me of anything in writing. Im not even sure who they are representing. Theyve sent repeated text messages to my phone to which Ive asked them to stop and please send me some information on this via mail. Ive received nothing. They have left voicemails saying if I dont call them back, then matters will be out of their hands. My husband starting receiving calls on his phone as well. They left a voicemail on his phone saying the message was for me, and same thing. If I didnt call then then matters would be out of their hands. XXXX XXXX XXXX has sent a debt validation packet to them on my behalf, and Ive heard nothing and received nothing in return. The calls to our personal cell phones come during hours we are at work as well. The tone of the womans voice in the voicemail is hostile.
Product: Credit reporting or other personal consumer reports

Currently involved in Litigation! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They sent me and an attorney an email stating that " we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished. ''