23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

{$100.00} was taking out of my account after I had a discussion with the Cash App support manager name XXXX when I told her that my first card order which cost {$50.00} was not working, and that cash app had canceled my card activation which forced me to to consider purchasing another card. XXXX said that I would get refunded if I ordered the new card exactly the same way that it was ordered before. Now Cashapp is saying that they do not refund card orders but its not in their term and policy. This has been they do not refund card orders but its not in their term and policy. This has been going on for several days now and now they have falsely misled me to waste {$100.00} worth on one card that I didnt need to pay for because they are refusing to refund me the money. Nowhere in their policy does it say anything about non-refunding card orders. No one wants to help me. Ive contacted them through their phone as contact them through chats. I have screenshots of the entire conversation and I am getting nowhere. I need help because this is not something that should be going on with customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my updated credit report, I see that many items were erroneous. The 3 credit bureaus are required to validate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable items below : XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  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 : states a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the. following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or or has reasonable cause to believe the information is inaccurate.
Product: Student loan

Obama 's XXXX student loan forgiveness is a farce! A scam that our Government is not doing anything about. My doctor and I sent in the required documents and applied for the student loan debt forgiveness program for the XXXX. 
I received a letter of " Approval '' stating that I was approved for the XXXX program and that after a 3 year waiting period the debt would be paid off if I did not hear from them further. 
After the 3 year waiting period had passed I assumed that the debt was indeed paid, because the letter that I received stated that If during that 3 year waiting period I was disqualified for any reason I would be notified, and that " If I did not hear anything from them at all by the end of that 3 year waiting period, then I would not need to do anything further, the debt would have been paid off '' Now I have found that not only was the student loan not paid off, even though I was approved, but they have conveniently lost all of my paperwork. Wait ... let me rephrase that ... They lost any and all proof that my student loan was paid off, but they DID NOT lose the paper work showing that I still owe the student loan. Again ... how convenient! 
I have been informed that up until 2013 all of the paperwork was kept by ... NOW GET THIS ... the carrier of the loan. 
How stupid is our government officials to let the very loan company that we owe the money to, keep the only proof that the loan was paid off?!! again I say " How convenient! '' These are the people running our country? God help us! Giving the loan carrier the task of keeping all of the paperwork proving that the loan was paid off is like giving bank robbers the keys to the safe! 
I think that the 3 year waiting period was a part of the scam as well! Why? Why would they want us to wait 3 years? I think perhaps that the XXXX dollars allocated by President Obama for the student loan forgiveness program was probably put in a bank to draw interest those 3 years and counting. If this is true, where is the money made in interest? who 's pockets are lined with that money? Even more important, whose pocket is my {$10000.00} in? I was approved for the program, the 3 years waiting period has passed and in fact it has been about 5 years and I am still paying the debt! Somebody pocketed the money that was supposed to pay off my student loan, ... OR it was paid off, but the loan company is double dipping and forcing me to pay it again! This is why I hate ALL POLITICIANS! They are all crooked and dishonest!
Product: Checking or savings account

Citibank closed my account out still don't really no why but I'm fine with that I just want my funds returned back to my account my mom XXXX XXXX lent me {$380.00} and XXXX to help with rent and food so she wrote me 2 checks and they drafted my mom account she has with XXXXXXXX XXXX after shortly after they closed my account once they took my mom money her bank have been calling she have been calling, I have perfusely been calling and they keep lying saying they sent the money but get your mom to call which she has and her bank, they saying they sent the check but I am checking the mail daily nothing at all from them and this incident occured XX/XX/XXXX and here it's a new year my mom need her money this was only a loan this her only income for her XXXX I hope you can help I truly do thank you
Product: Debt collection

Unsure what this debt is?

Last Reported XX/XX/XXXX Collection Agency PHNX FINAN Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1300.00} High Balance {$1300.00} Remarks Placed for collection
Product: Mortgage

My Loan was modified by Carrington Mortgage Services in XXXX of XXXX. 

I made my payment on XXXX XXXX followed by XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and a partial payment on XXXX XXXX. I then made slightly more than a double payment on XXXX XXXX followed by payments on XXXX XXXX, XX/XX/XXXX, more than a double payment on XXXX XXXX, and a payment XXXX XXXX. 

The sale of my home was supposed to close on XXXX XXXX. The closing date was pushed out to XXXX XXXX after the inspection was done. A couple days before closing, it was discovered that the septic system was leaking and had to be repaired prior to the home closing leading to the closing date for the sale being pushed out until XXXX XXXX. 

I immediately contacted Carrington Mortgage Services to make another payment to make certain there would not be a 30-day late payment. I was told by the Carrington agent not to make the payment because it would affect the closing quote and could cause a problem closing the loan. As the closing had already been changed twice before and I was already out of state, I did not make the payment as advised. The loan was closed, and the payment sent to Carrington on XXXX XXXX. Carrington applied the funds marking the loan paid in full on XXXX XXXX. 

Carrington is now reporting to the Credit reporting agencies that I was 30 days late in XXXX and XX/XX/XXXX. This false report is greatly affecting the purchase of my new home. 
I have contacted Carrington several times to no avail. I filed a complaint with the reporting agencies and Carrington sent them verification of everything I just said but stated the report was accurate. I filed a second complaint with the reporting agencies and spoke with a complaint specialist at XXXX. She pulled the information directly from the information Carrington sent to them. We went through it together and she stated the late reporting was obviously false and that she was sending a letter to Carrington demanding they correct the report. There has still been no action on this complaint. So far, the seller for my new home has been working with me but has stated that if I can not close the loan soon, they will sell to another buyer. 

I am begging you to help me with this matter as we looked very hard to find a home that fits my XXXX XXXX and do not want to have to start over again,
Product: Checking or savings account

On XX/XX/year> I used ATM located at XXXX, XXXX XXXX XXXX. XXXX XXXXXXXX XXXX to withdraw {$400.00}. ATM displayed message, " OUT OF CASH '', did'n dispense mpney, nor it printed the receipt. For some reason, {$400.00} has been taken out of my account. 
I immedialely contacted my bank, Capital One, and got credited, only to receive the XXXX mail on XX/XX/XXXX, that my clam has been denied and they will remove the temporary credit of {$400.00} from my account. I called them again, but on XX/XX/XXXX bank took the money. 
Meanwhile, I tried to get the camera recording from XXXX. I'v been told, it's company policy, I don't have right to do so. The XXXX will review the tape and if she sees something, she will let me know. 
As I never hear from XXXX XXXX, I went to XXXX XXXX police station, where XXXX XXXX called the store. She told me that wasn't the firs time and this ATM had the same errors before, and that I could go back and see XXXX XXXX, store XXXX, to see, if there is something on the recordings I can prove, I didn't receive the money. 
XXXX XXXX, for some reason, hesitated to even talk to me, I've been told, he wasn't there, and after few minutes realising, I wasn't leaving, he came out from back room. 
He and two other XXXX workers told me, that nobody has right to watch the recording, it's store policy, they even called the corporation and I, once again left " empty handed '', XXXX XXXX also told me, that's a policy, and there is nothig else, she can do! 
She also told me, the manager watched the tape and camera doesn't face the ATM, nothing to see! 
I need your help to find out, how come nobody can watch the recordings? Is there something XXXX is trying not to show me? Is this a scam? 
I know, I was stupid enough not to take picture immediately, but, it never happened before, and I would never in my dreams, could imagine, something like this could happen. 
thank you very much,
Product: Credit reporting or other personal consumer reports

I have been disputing these issues on my credit report for years now. They keep changing the dates on the suppose debt to make it look like it's new and keep reporting things as open when in fact I don't have these accounts, should reflect closed or removed. 

XXXX XXXX XXXX, {$810.00}, and XXXX XXXX XXXX, XXXX not mine, reflects consumer disputed but states its an open account, should be removed or CLOSED and they change the dates of the debt to make it reflect on my credit report which is interesting. 

My address on all three agencies should be just XXXX. 
All others need to be removed, I have tried and they just don't do it. 

This is being reported from all of the credit reporting agencies. 


TransUnion XXXX XXXX XXXX  XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a hit of about 50 points on my credit report from equifax with no alert from them after having fraud alert put on my SSN months ago. I believe Equifax was hacked and now my credit is XXXX. I have so many hits from XXXX XXXX that I have never applied for
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company a dispute letter about reporting a late payment on my credit report. They have failed to respond back to me in writing as requested.here is my tracking number XXXX was delivered on XX/XX/XXXX @ XXXX Several of my consumer rights have been violated especially 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. They are reporting a late payment which is a transaction between me and this company. Also violating 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Im requesting proof that I was mailed or delivered 21 days before the payment date.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was someone using my social security number to open lines of credit and sending accounts to different locations and now my report has a lot of addresses with incorrect phone numbers and addresses.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPB )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX {$33000.00} XX/XX/XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX  XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX  XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX  XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have regular appointments with the Hospital XXXX. I 've been a regular patient for 9 years for a XXXX XXXX that required the XXXX in XXXX XXXX. In XXXX XXXX, XXXX XXXX and XXXX XXXX, I had follow up appointments to check the status of the XXXX. Apparently, my insurance company denied the XXXX claim on each of these appointments. I was n't aware that these bills were not settled because I never received a bill from the hospital. Recently I was contacted by a debt collector for the balance on these XXXX claims. When I called the hospital, the claim they have mailed bills to my address to which I never responded ; however, they verified that for some reason each of those bills was returned undelivered by the post office. Immediately upon finding out about these unpaid debts, I contacted my insurance company which is in the process of resubmitting the claims in order to settle the debt. In the mean time, I 've had this debt collection company calling and sending me invoices in the mail for a bill that will be covered by my health insurance. I 've told them multiple times that my insurance company is handling the debt, but they still insist on contacting me. My wife and I have exemplary credit. In fact, I pride myself on how good my credit is and I 'm in the process of refinancing my mortgage and now I 'm afraid that I 'll have this debt collector listed on my credit report for the next 7.5 years for a debt that should have never even hit collections if the hospital had figured out how to get a bill to my house so I could contact my insurance company. They did n't even attempt to call or email me. They just sent it right to collections. Funny how the the debt collectors bill arrived in my mail box but nothing from the hospital. When I contacted to hospital, they told me they have to correct address on file so I should contact the USPS. I 've lived at this address for 5 years and all my mail comes to this address. I want for this debt collection company to stop contacting me and I 'd like for any negative entry of this debt to be removed from my credit report. I 've attached documentation showing the bill I 've been receiving from the debt collector. I 've also attached documentation for the reprocessing of XXXX of the XXXX claims showing that XXXX of the debts has been settled. I 'm still waiting for the explanation of benefits for the other XXXX once the claims are reprocessed.
Product: Mortgage

In XXXX of XXXX, I contacted Quicken Loans to inquire about a home loan to purchase a home for my family to live in Indiana. I was working with an individual names XXXX XXXX from Quicken Loans. During the process, I honestly disclosed to them that I had filed bankruptcy in XXXX of XXXX, and the Bankruptcy was discharged in XXXX of XXXX. 
XXXX XXXX stated that that should not matter, and that I was approved for a home loan. Weeks later, after I had my hopes up about being able to buy a house, XXXX contacted me, and stated that he now could not be able to approve me for a loan, because the bank that owned the loan on the house had not yet completed the foreclosure as indicated in the bankruptcy. XXXX stated that he would be able to approve me in a year, and to re-contact Quicken Loans in XXXX to re-start the loan process. 
I re-contacted Quicken Loans on XXXX/XXXX/XXXX, and have been speaking with XXXX XXXX from Quicken Loans. I explained to them what I was told by XXXX XXXX XXXX. Quicken loans is now stating that they will not be able to approve me for a loan, despite me being told by XXXX of their associated that they would be able to approve me. XXXX XXXX XXXX XXXX works for Quicken Loans, and when he tells a consumer something, he is speaking on behalf of Quicken Loans. It is illegal for a company to tell consumers something that they can not or or not willing to follow through with. I would like for someone to look into this, and hold Quicken Loans responsible to follow through with what their associated stated.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation regarding certain disputed accounts, as I believed the Credit Bureaus did not properly handle my dispute. Upon reviewing the records from the Credit Bureaus, it is clear that their investigation was inaccurate. Since the investigation was conducted improperly, I demand that the Credit Bureau immediately correct and update the following accounts in my file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00}
Product: Credit card

I have a Macy 's store card and a Macy 's Amex card. 
On XXXX/XXXX/XXXX, my balance was {$93.00} and my minimum due was {$27.00} and due date XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I made a payment of {$30.00} which was above my minimum due to avoid paying interest. My new balance was {$26.00} Today, XXXX/XXXX/XXXX, I looked at my credit summary and I found out that Macy 's charged me {$2.00} interest fee, Why?! 
I called and was told that " now that we have received your payment in full, we will go ahead and remove the interest fee '', I was very furious, why was there an interest on my account in the first place? My payment was received in full on XXXX/XXXX/XXXX, so if I had not looked at my account, I would n't have known that my new balance was {$28.00} and my new minimum due was {$27.00}. 
I had already scheduled a payment {$26.00} for XXXX/XXXX/XXXX, which was my balance. This would have messed up my account, I would have been charged a late fee of {$35.00} and would have been reported to the credit bureau as being late on my account. 
This is how people get in trouble and this how Macy 's make money off innocent victims. I believe this is negligence, theft and deceitful. Someone has to be held responsible. I am still looking at my account and they still have n't taken the {$2.00} off. 
Five months ago, I filed a dispute on my Macy 's Amex card for an unrecognized/unauthorized transaction of {$12.00}. They never responded to me, they never took care of the problem nor did they refund the money back to my account. 
I have had so many problems with Macy 's, particularly on reporting to the credit bureau and handling disputes. By law, they are supposed to make the funds available within XXXXXXXX days when a dispute is filed.