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

Cash app continues to cause issues with my account being able to be accessed and manage and even a debit card provided. I have provided them my legal name change my marriage license and everything else they needed to update my name legally, which they still have not done every time I talk to them. I get some rude XXXXXXXX XXXX XXXX person on the phone That is unhelpful when I ask to speak to a supervisor, they refuse to let me talk to a supervisor the guy I just got off the phone with told me that I can go through the app and ask for an app support when Im logged in and as I told him if Im having trouble logging in then how the XXXX am I supposed to get an app support? He claim that he was giving me a complaint number And I asked him what the XXXX was the point of a complaint number if I cant get into my account they always have XXXX XXXX  attitudes. Its always some XXXX XXXX XXXXXXXX person on the phone. Thats being rude and every time I asked to talk to a supervisor they disconnected hang up the call so Ive been starting to record the phone calls and let them know that Im recording and then they still cant offer any XXXX assistance. I keep records of everything. I cant wait till you guys finally thoroughly investigate them because they think they can scam people and Com people and have all this XXXX XXXX XXXX Customer Service and people talking to you like their XXXX crazy on the phone and in the meantime is causing me problems being able to send money and access the money and everything else that I should have the right to do But they give me XXXX Customer Service problems and theyre telling me that they cant offer any assistance cash app tag XXXX. 
I am so sick of dealing with these XXXX XXXXXXXX that have access to my personal account information and then cant offer any assistance. I asked a XXXX. Why the XXXX did my Cash App card get deactivated and they cant tell me why I dont understand how the XXXX is their company and they cant tell me why Im having issues access to my account or why my cash app card cant be re-issued or why they cant update my legal name despite me sending them all of the legal documents for them to do so.
Product: Checking or savings account

I opened an account with HSBC then I transferred all my savings to their 'Online ' Saving Account ( HSBC Direct Saving ). 

Later, HSBC suspended my account because I tried to transfer some of my savings to another bank ( XXXX ). 

Now, HSBC wants me to drive to the nearest branch to verify my identity, and the nearest branch is 5 hours away. 10 hours in total. 

Currently, my account is locked and can't be closed. 

I opened an online saving account, NOT a traditional savings account. Online banks like XXXX doesn't have any branches. 

This is why it sounds odd and ridiculous for requiring me to drive 5hrs to the nearest HSBC branch to verify my identity after I  deposited all my savings. 

My account has been suspended for almost a month already. The money in the account is needed for utility bills and mortgage payments.
Product: Mortgage

XX/XX/2021, I was working on closing a loan on a purchase with a mortgage company that had me approved to get a grant of {$7500.00} through XXXX. 
During the process, my Realtor said it was taking too long and had me switch my loan request to another lender. XXXX XXXX was with XXXX at the time and now works for Guild Mortgage. Her license is XXXXShe assured me that all was good and that she would close me within a week. She said " this is an open and close case and super easy ''. Fast forward a week later and she said my tax transcripts were an issue because I had amended my taxes and that there would not be time to close. She then purchased my house. She said I could rent it for 6 months and she would help me purchase it then. Rent to begin with was XXXX which is what the mortgage payment would have been. She never helped me get the financing, instead she kept increasing my rent and now it is XXXX per month. She also just informed me that I now need to move out because she is selling the house to someone else. As a consumer I trusted a licensed individual to keep their word. I was totally misinformed of this process and she took the opportunity for me to purchase this house away by having the Realtor move my file from the lender that had it approved. My children and I are now going to be on the street. I have since learned this is not the first time XXXX XXXX has done this. The public needs to be made aware of what she is doing to consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

Inhave accounts on my credit that i never created. Is this legal? I never applied or obtained any credit XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed Hide closed ( 1 ) STUDENT LOANS XXXX XXXX Reported : XXXX XXXX, XXXX {$22000.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$250.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$300.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$590.00} Needs Attention XXXX  Reported : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX/XXXX   XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX
Product: Debt collection

I received a voicemail on my work phone from a XXXX XXXX stating she was from XXXX XXXX XXXX XXXX calling to collect a debt and that there was a "legal document" that was going to be delivered to my place of work and home requiring a signature, if I didn't contact them. I returned the call on my cell phone and told her expressly to take my work phone number out of their contact database because they were not authorized to contact that number. I told her that I had settled the debt with the creditor that she was supposedly representing. She claimed she was going to send an email with some reference to the matter and review it with me over the phone. She hung up and I didn't receive an email until the next day. The next day she again called my work phone and left a voicemail. I called back on my cell phone and again instructed her that the number she was calling was not my personal number and she was not to call it. I told her I was formally disputing the debt, as per the instructions in the letter attached to her email (which said that if they didn't receive a response in 30 days, they would consider the debt valid). I told her I was going to mail the letter. She asked me to fax it. I faxed it and received a confirmation that it was delivered. She called my work number again the next day and left a voicemail. I called her back again from my cell phone and told her to stop calling my work number. She threatened that this "legal letter" was going to be delivered to my place of work. I told her (per the letter I was sent) I was disputing the validity of the debt and I had sent the fax as she requested. She claimed the fax wasn't received, even though I had received the confirmation. She started accusations that I was stalling and didn't want to pay what was owed and that I needed to send her some proof that I had paid the debt or she was going to send this letter. I told her it was up to her to investigate my dispute. I told her I would resend the fax. After I hung up, another individual called my work phone AGAIN, and left a message saying he was her supervisor and that they didn't receive the fax I sent the day before. I didn't call back. I resent the fax and received another confirmation. This debt was settled with the creditor over a year ago. I checked my online account and all paperwork with the creditor. My work number was never associated with this account (she lied and said it was and that is how they got the number). This company is just harassing me and calling my work phone and threatening to send documents to my job to intimidate me. They are trying to collect money from me that has already been settled over a year later.
Product: Credit card or prepaid card

XX/XX/2023 tried to order a new card yet again and it's not allowing me to or a message pops up saying unknown error
Product: Credit card or prepaid card

In XX/XX/XXXX I was contacted by a con artist posing as an employee of XXXX offering me the opportunity to participate in a market research study regarding consumer satisfaction with a new XXXX card. I was told it was a gift card, and that I should apply for one. It would be " loaded '' with XXXX 's funds so that I could make sample purchases from the XXXX site. I would be interviewed about my experience with using the site and the card. In return for my participation, I would receive {$50.00} per interview. 

As I have participated in other market research studies, this did not seem unreasonable. I applied for the " gift card '' and was told by the thief that I should call XXXX to make sure it was " loaded '' with funds. I asked if they wouldn't notify me by email and he said they would not. I called an was told the card number and that I had {$1800.00}. 

I then followed instructions to purchases 6 gift cards totaling almost {$1800.00} which were delivered to me in the next few days. Each time I received a delivery, I was told to notify the thief, who asked me questions about the packaging and timeliness of delivery. He then told me to send photos of the cards, including the number on the back requiring me to scratch it off. 

On XX/XX/XXXX I received an email telling me that my XXXX credit card had been approved with a credit limit of {$1800.00}. I immediately realized I had been scammed and notified XXXX and Synchrony Bank, the issuer of the card. Since then I also made several phone calls and sent a letter to Synchrony on XX/XX/XXXX regarding the scam. I hold XXXX and Synchrony responsible for making this crime possible by failing to inform me promptly that I had been approved for a credit card. Clearly the thief knew about this weakness in their procedures and was experienced in exploiting it. 

I received a letter from Synchrony dated XX/XX/XXXX in which they said my dispute with the merchant had been resolved in the merchant 's favor. They included many pages of proof that gift card had been delivered to me. My complaint never said that I did not receive the gift cards. Therefore I do not consider the complaint resolved because they never addressed the substance of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I need to Dispute some late payment report history with XXXX XXXX It's showing 3 months late.I. became behind due to covid 19.Another dispute I have is with Jc Pennies with some late payments due to covid 19 as well. the account is SYNCB/Jc penny # XXXX and XXXX XXXX is XXXX XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

this is a follow up of the complain I sent about the transaction I had made for around 1300 dollars on XX/XX/2016. I had been in a battle with digital altitude trying to fight to get not only my money back but to shut down the company that had failed to keep their word. I wanted to provide documentation about how the company wouldn't provide me with the necessary refund even though I had requested it before the refund deadline. Below is the shady tactics that they did to steal my money. Once again if you search the digital altitude FTC shutdown you will see what i'm talking about thanks!
Product: Credit card or prepaid card

I filed a chapter XXXX debt repayment plan. After I filed this and a court order was issued I began making payments. While making payments I received a letter from citi card showing I was overcharged on interest and a refund was credited to my account in the amount of {$690.00} I contacted citi and notified them that I had a court order and that I was making payments under it. They told me I needed to contact my trustee and have him adjust my account. I contacted my trustee however he told me he could not change the amount of payments being made since a court order had already been issued. Now the the chapter XXXX has been paid in full per the court order citi card still has the excess funds of {$690.00} that were credited to my account. I have made multiple phone calls to citi card spent hours on the phone and they continue to transfer me to their lawyer who has no record of my account. I have also left multiple messages with XXXX XXXX at citi who has not returned my calls. Its apparent that citi has no intentions of returning the {$690.00} I had overpaid in interest so I am submitting a complaint hear to help others avoid having similar problems.
Product: Prepaid card

I called American Express because the AmEx gift card I have with money still on it does not work at any online store. It keeps getting declined. American Express refused to give me the money in a different form such as a check issued to me.
Product: Credit card or prepaid card

On XX/XX/XXXX, I started receiving several fraud detection notifications from Capital One for unusual charges. I called, we closed that card number and reopened another, and disputed all the charges I did not make. About a week later I started receiving packages in the mail of random junk. I noticed that two charges were added back from the fraud dispute, and Capital One notified me that the merchants provided valid tracking information and that I was liable for the charges. 

I was advised to return to sender anything that I had. They credited one of the charges that was {$5.00}, but a charge for {$47.00} they were holding me liable for. I contacted the merchant, they said there was no way for them to refund anything that was processed as return to sender unless I called and got an RMA. 

I filed with US Postal Inspection Service for mail fraud, and Capital One still did not care and said the case has been resolved. I suspect this is some new fraud scheme involving mailing overpriced junk and sending consumers into a dispute circle with the hope that they give up from the small amounts.
Product: Debt collection

To who it may concern : In XXXX 2016, I submitted a employment background investigation, and was informed I had collection accounts on my credit report. To my surprise, I was un aware of this debt, nor did I receive notice from the collection agency. Even to this day, I make them send things via email, because I do not receive mail. I immediately contact the agency to make payment arrangements and paying right away. Previous, I spent a year address things on my credit report. There should n't have been anything outstanding or negative. I was in dispute of the debt, however had to clear debt to complete clearance. Now, that I am down to the final payment of the debt, I was informed by XXXX of the credit reporting agency to have the debt removed it would have to come for the collection agency. I am requesting to have this debt removed because I was not contacted and given time to dispute this debt. It is impacting my negatively. Preventing me from being able to provide essential living things for my daughter and myself. The collection agency does report when payments are made, I have to continuously call in. Thanks in advance.
Product: Checking or savings account

( Deposit depend on a certain of the ATM then XXXX XXXX. is cut off time ) Why does the ATM cash withdraws post before any transaction ( first when you have multiples transactions )? Next why is there a early cut off when cash with draws vs. making cash deposits with the ATM? We were told it is noting in writing but it the way your Credit Union look at the items. All Navy Federal Credit Union Board Members : My Civil Right have been violated by Navy Federal Credit Union! The purpose of this letter is to outline the facts of XXXX ( Manger or Supervisor of Navy Federal Credit Union ), XXXX XXXX has become her personal target! ( XX/XX/2017 ) It has been brought to my attention that XXXX has a special file with my name on her desk! It is my understanding that she has alerted every employed who tapes into my account to send all calls to her desk. I am on a list that she has personally target due to the fact of my race, age and XXXX. She has benefited from not waving fees that she knows that should not be on my checking account. As she stated the rules and regulation does vary, but after asking her to provide documentation of some of our concerns she stated she could not! Being hearing lost I was also able to tape record her statement. I prepared to proof the events that I was personal target after she hung up in my face! I called back and latter was told a lie that XXXX made certain statement to her. But XXXX was not on duty! So why did the Staff member lie about XXXX being on duty! Who took the call? Later she told me she talk to XXXX and XXXX a Manger, Several times I requested to speak with the persons. I was hold for over 15 minutes only to find out the true identity of the person which is ( XXXX XXXX ), was the person expressing her thoughts to the young staff member. XXXX did not want to talk to me after she hung up in my face! Was it true she gave out instruction on my file for no one to touch my account pass all calls to her personally. ( read her notes ) This is a true form of retaliation! Retaliation against a person with XXXX who filed a complaint with a government agency is unfair. Yes, I filed a complaint against Navy so to get back at me then to participate unprofessional behavior is unlawful. Did the CEO direct XXXX to target me or retaliate against me for what reason- my formal complaint. I am filing a complaint against Navy with discrimination, and requesting the Board to investigation my complaint.
Product: Debt collection

I got a letter from AlliedInterstate today on behalf of XXXX XXXX XXXX on a debt from XXXX XXXX XXXX XXXX. No Full Account number listed. Since XXXX XXXX XXXX could not provide verification of debt on the last one they sent out I am sure they can not on this and the only verification I will accept from these are the followingSigned copy of the contract, Fully payment history, last payment madethis is notice that this is disputed and they are in violation of consumer protection rights actually. I never heard of this company and all of a sudden they are sending my info out to several companies : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX - all of these are LLC. None of these companies have I ever heard of or from. Since my last cc was paid off in good standing they have to prove to me that I owe the bill and not just expect me to pay a bill they say I owe in their computer system because anyone can type up information and put it in their computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send a few letters about this issue and still nothing has been done. There are late payments that are reporting on my student loan... There is a billing issue ( 15 USC 1666B ) with my account because I have always been in school and my student loans have been in deferment so there should be no late payments... 

DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXXXXXX I want the bureau to Tell me in writing what information you received from this creditor to support the presence of these supposed late payments. Tell me in writing what you did to determine that the information the creditor provided was accurate. Note how the information was relayed to the creditor and the EXACT information ( type/kind ) that was provided to your bureau as PROOF of the accuracy of these late payments. Any claims of application alleged made by me or former must have validation of verifiable proof of adequately acquired permissible purpose from anyone exactly identified by documentary evidence to be me and only me and or anyone lawfully provable to be acknowledge as an authority with rights to adjudicate actions minus my direct permission to render said permission. I am absolutely within in my consumer rights per every and one even each any and or all state and or federal laws to requisite by demand of your lawful sworn attestment to the exactness and adequate legal obtainment of every and one even each any and or all of the challenged notes .Attest in composition to every and one even each an and or all of the data, every notation, the dates and balances, calculations and audits, accounting records and documented identities, the required XXXX enacted Metro-2 426-character format fielded. I want The bureaus to send me a new credit report showing the changes in my report which I take serious these bureaus are playing with my life right now... ..I don't understand why yall make things so hard for people I don't get it .....
Product: Credit card or prepaid card

I tried to apply for a credit card with TD, it went through but it was saying see SM for 2 weeks straight. I went in to see what was wrong and they said it was just a glitch in the bank with my account. I reapplied but then they said they are closing both accounts and didn't disclose the reasons as to why and they have not made a good faith effort for recompensation due to their negligence. I applied for this card on XX/XX/XXXX and I reported the problems to TD on the XXXX of XXXX.
Product: Credit card

My credit card at Santander Bank was used by someone in Florida who I do not know from XXXX/XXXX/15 to XXXX/XXXX/15 in the tune of {$11000.00} and paid {$9000.00} of that balance. I made a police report and contacted the bank immediately. But the bank keeps sending me to various branches to confirm my identity and nothing else. I have not received or heard anything from the bank up to now. At one of the branches, a representative told me to apply for a new credit card, which was strange since he seemed not to know what to do. He was confused as to why they would send me to a branch bank for a fraud case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have two medical collection accounts with Eastern Account one for {$210.00} and on for {$270.00}, I made a payment ( after weeks of trying to contact EAS- their phone system is horrible, no one returns your calls and they keep you on hold for half hour at a time ) on XX/XX/XXXX for both accounts for a total payment of {$490.00} which cleared my bank account on XX/XX/XXXX. 

One of the accounts ( one for {$270.00} ) has reported closed and paid on my credit report, while the other one has not. I called EAS AFTER 3 hours of trying to reach someone I finally get growing, I was told they update on the XXXX of every month and I have to wait. I asked how is that possible since the other account was update on XX/XX/XXXX as closed and paid? I left a message for senior management- and I have n't heard back from anyone. How can the same company report one account closed and not he other when one check was n't paid for both accounts?
Product: Credit reporting or other personal consumer reports

I have on several occasions ask Experian, and XXXX to add the following statement. 

My XXXX was due to a XXXX assault, and XXXX.