23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2023 a purchase of {$150.00} was made on what I learned later was a fraudulent website ( XXXX  ). 

There was no confirmation received and items were not received. The email listed on the site isnt valid XXXX, and the address listed was to a mall in Maine which the store isnt a vendor at. 

I disputed the charge to cash app on XX/XX/2023 when I realized the website was fake. 

On XX/XX/XXXX I received an email from cash app stating : We have received your request for documentation related to your dispute. 

Please find the attached documentation that Cash App relied on to determine the outcome of your dispute claim in case number : XXXX. 

Were unable to provide any additional support regarding this claim and no further action will be taken. 

We appreciate your patience and cooperation throughout the dispute process. 

I opened the attached document that the email claimed contained the details leading to the denial and it stated : Dear XXXX, XX/XX/2023 Recently, you requested the documents Cash App relied on to determine the outcome of the dispute claim you made in case number XXXX. 
For your reference, we have included a summary of the transactions from your account that helped to determine our decision. 

The information only contained the charge and date of charge and the website it was charged to. No other information. 

I would like a refund for the fraud charge and the documents of investigation-if one was done.
Product: Debt collection

I have made continous payments toward my XXXX XXXX account and the agreement was to have these items removed and they were not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT REPORT AND I SEEN THIS INQUIRY THAT I HAVE NO KNOWLEDGE OF AT ALL AND I ALSO HAVE A IDENTITY THEFT ALERT ON MY REPORT AND THEY ARE SUPPOSE TO CALL TO MAKE SURE THAT IT IS ME AND THEY DID NOT DO THAT AT ALL nquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and my identity was stolen by an old co-worker. He took my wallet and it had my social security card inside and also other personal documents. I sent copies of a police report and also FTC reports to the creditors and the three major credit bureaus. The inaccurate items and amounts consist of the following XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$37000.00} XXXX XXXX {$17000.00} XXXX XXXX XXXXXXXX {$55000.00} XXXX XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an old account with XXXX XXXX XXXX that was closed in XXXX of 2015. Despite the fact that this account XXXX XXXX XXXX has been closed for 6 years now, XXXX continues to report this account as an ACTIVE account that is 120 days past due. An account that has been closed for 6 years can not still be active and actively delinquent. I've made several requests for XXXX to correct their reporting error, but no action is ever taken.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Last XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX has ask clarity services to unfreeze my clarity report. I have written 3 letters with all verification documents to remove freeze and issue me a new PIN number seeing as I misplaced my old one. This is an affecting my credit worthiness an has caused me to miss employment opportunities because clarity services will not remove freeze..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX  XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX 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  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/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
Product: Credit card

On XX/XX/year> I was charged XXXX {$810.00} for a XXXX XXXX XXXX  XXXX XXXX that I had agreed would cost XXXX {$20.00}. I did not know I was charged the higher amount at the time. I gave my card to the driver, he swiped it and handed it back. 

While this was clearly fraud, my credit card company ( Chase ) has refused to reverse the charge and take other actions that would prevent this in the future. 

So Chase itself is complicit in and a beneficiary of this fraud because : XXXX. Chase benefits financially from the swipe fees this transaction generated. 
XXXX. Chase falsely asserts they do not charge customers for fraudulent transactions. 
XXXX. Chase asserts they thoroughly investigated the matter ( which is likely false ). 
XXXX. Chase has failed to take any action ( that I'm aware of ) with this merchant to prevent future fraud. 

Chase has further acted improperly by issuing what appears to be a veiled threat to harm my XXXX XXXX for the act of reporting a fraudulent charge. Please read the last paragraph of their letter to me to see if you agree that this is in substance a disguised threat.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017, I noticed a collection from XXXX for {$590.00}. I had to leave my home due to a divorce, and my husband never gave me my mail so I didnt know a medical debt existed. When I discovered on XXXX I paid it immediately!
Product: Credit reporting or other personal consumer reports

My score was pulled from all three bureaus and it was reporting my student loan and now when its pulled it was wiped from my credit report and there is no score. I called the obudsmans office and they haven't stopped reporting my file to the credit reporting agencies. So I called to ask them what happened to my student loan they couldn't provide an answer because they are supposed to report what the creditor reports to the bureau and it is reporting accurately just not on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent information to Experian, disputing an erroneous claim by a collection agency representing XXXX for an alleged unpaid bill. I sent to Experian extensive documentation of my cancellation of the account, the reasons/proof behind the cancellation, and my extensive follow-up after I became aware of an issue. Its " investigation '' was apparently to confirm with the collection agency that the debt was valid. They have no proof or documentation that I did not cancel or agreed to continued insurance beyond the date for which I had paid. So, this was not a real investigation. Also, the collection agency has no judgment or other proof : they are just reporting false information ( submitted under another complaint. ) I requested a property insurance policy through XXXX  in XX/XX/2019, as a requirement for a HELOC application. I signed up for auto payment. I enrolled in the plan through the phone and internet. All of my documents, signature pages and payments were electronic. 

In XX/XX/2019, a title issue with the property blocked the HELOC from moving forward ; I had been approved, but could not get funded as a result. I therefore notified XXXX  in writing that I was cancelling the policy, since I had only added it to comply with the loan requirement. No auto payment was taken thereafter and I received no correspondence on the matter, so I had every reason to assume the policy had been cancelled as directed. 

In fall 2019, I became aware of a derogatory credit entry. It stemmed from XXXX 's claim that I owed 2 months premium for the policy which it did not cancel until XX/XX/2019. I contacted them immediately and described my cancellation. I was given several false answers and information, stating that XXXX did not accept written cancellation ( it's the law ), that it never received mine, that there were other reasons my auto payments had been stopped and also that all correspondence had been sent to the property address by mail, even though my account was completely e-notice AND it was an investment property occupied by tenants. XXXX also did not offer a landlord policy. When I provided all of my documentation, they stated that they would only " backdate '' my cancellation if I could show proof of another policy, which is completely irrelevant. The property remains uninsured and wasn't insured prior to the policy with XXXX, so that is a completely made-up requirement. 

The insurance company is XXXX and the collection agency is XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Im part of a group on XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I applied to a job posting via email. I was offered a position where I was told Id be paid $ XXXX/wk to have my car wrapped for their sports drink company. They sent me a check for {$2300.00}, which I deposited and had me send a XXXX payment through my bank account for {$1700.00} to the installer. I sent the XXXX payment on XX/XX/XXXX at XXXX. Shortly after, I realized it was a fraud when they asked me to send more money, this time they asked via text. The text was full of grammatical errors and didnt sound like a business at all. Upon learning this I contacted my bank ( Bank of America ) and XXXX. This was at XXXX on XX/XX/XXXX, less than nine hours after sending the payment. I told Bank of America of the fraud and asked that they reverse the {$1700.00} immediately. They said this isn't something they can do so I contacted XXXX. XXXX said the money already went through, said there wasn't anything they could do and transferred me back to Bank of America 's fraud department, which was closed for the day. Everyone I spoke to knew exactly where the money went ( a XXXX account ) but refused to get it back. 

I contacted Bank of America once again on XX/XX/XXXX at XXXX to file a claim and to inform them that I believed I was given a fraudulent check. Their response was that once the check was bounced back, they would shut down my account ( once the claim has been closed ) because that's standard practice when that happens. So not only was my account overdrawn when the check was proven to be fraud & the {$1700.00} wasn't returned.. but now I was being told that my account ( that I've had since XX/XX/XXXX ) would be shut down. 

I've learned that XXXX, unlike XXXX, has no fraud protection but instead perpetuates fraud by giving scammers a platform to conduct their business. Not only that, Bank of America ( and other banks ) support this by offering XXXX on their apps. I'm now aware that this has happened to many people through XXXX and it's ridiculous that they haven't changed their policies to protect their consumers. 

.
Product: Debt collection

The person calling Identifies himself as XXXX XXXX from JPL. Would like to talk to me about legal matters. He has been calling and harassing my family members, sons, parents, my sons girlfriend parents, my ex wife and so on wanting personal information about me. He keeps persistently calling when told not to and threatens to keep calling everyone related to me or friends of mine until they tell him the information he wants about me. I have not received any mail Correspondence regarding this business. I feel this is beyond harassment. This company should be shut down! I dont even know if its a legitimate company or some kind of scam. The phone number that has been calling : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent the following to all credit bureaus A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.
Product: Credit reporting or other personal consumer reports

I'm trying to compare auto insurance policies so that I can save money. My driving record provided by LexisNexis states I was in an accident in XXXX and XXXX. I have never, ever been in a car accident thankfully. It also lists that I didn't have sufficient auto insurance in XXXX, which is also false. I have called the phone number listed on the website and in my driving report several times, it is impossible to contact a human. No information on their website is available to dispute this information. The only avenue to dispute the false report is by filing a complaint.
Product: Debt collection

I have been trying since this collection to hit my credit report to have it removed. The amount is incorrect. It was during covid and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We agreed due to the XXXX  that happened they would let us out of the lease and we would just need to make monthly payments on past due balance and we would be released from the lease. We turned in the keys, left the property in perfect condition sparkling clean and make a promise to pay installment. They did not tell us we had XXXX access to the web portal and had to hand deliver money in person or mail payments to management. From the beginning management changed every 3 months even the girl who signed me up XXXX gave me the run around and ran my roommates credit twice and the tried to make him pay a higher deposit because nothing came back for a credit report. This company basically made our agreement fall through the cracks and sent us to collections with the wrong amount. We finished paying and they removed the promotion and now making us pay even more than we agreed to. I explained from the beginning that I lost a job, had car issues, and had money taken out of my account from a trip to XXXX and the bank would not reimburse me. They never offered to take care of late payments and would let people come up unannounced during XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to come back from other coworkers who tested XXXX  The amount should have been around XXXX XXXX and we paid back monthly for over a year at XXXX dollars every XXXX weeks. XXXX is not correct and needs to be looked into. Also this collection company is showing as if we were late from XXXX on different credit reports but truly late on rent back in XXXX when covid was ramping up and the world was in total chaos. I am begging for someone to make this right. The management changed so much and Im sure they were under a lot of pressure as well. I have sent the company messages and also constantly tried to remove on my credit report as they will also try and bring up and make me look bad. I am wanting the government to step in at this time and see what they can do and have this company make things as good as possible by their original word.
Product: Debt collection

During the mortgage process I was made aware that multiple accounts had been reported to my personal file that did not belong to me.I reported this information to law enforcement as well as the credit agencies furnishing the information. I have attempted to resolve these discrepancies multiple times over the past couple of years. I even voluntarily paid some of the accounts in order to stop the damage to my credit and constant harassment by collectors. I was informed by my lender to file a complaint with the consumer protection bureau. I request immediate deletion of this account.
Product: Vehicle loan or lease

On XX/XX/XXXX I applied for a car loan on XX/XX/XXXX I paid the car loan I had with Navy federal in full. I got a credit denial because Navy Federal stated the number of inquiries on credit report credit I was not aware the dealership was running my credit with different banks. account delinquent in the past 12 month, I was not late due to a fault of my own, number of month since oldest installment credit was open, my mortgage account was open in XXXX car loan in XXXX credit card was XXXX or XXXX I have nothing else on my credit, the parent plus loan that on my credit is something student loan required now if the child lives with the parent. 

while the equal credit opportunity act allows a creditor to consider an applicants immigration status when necessary to ascertain the creditors rights regarding repayment creditors should be aware that unnecessary or over broad reliance on immigration status including when that reliance is based on bias may run afoul of the law. 
" Fair access to credit is crucially important for building wealth and strengthening household financial stability ''
Product: Credit reporting or other personal consumer reports

After reviewing my Credit Report with TransUnion I noticed Inquiries on my TransUnion Credit Report that I did not Authorize that are not connected to any account on my credit report by these banks of dates listed XXXX XXXX XXXX XXXX Inquires Date XXXX and XXXX XXXX  Inquries Date XXXX. According to 15 USC 6802 ( d ) A financial institution shall not disclose to other agency an account number to similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent nor instruction for any inquiry to be allowed to report to TransUnion Credit Bureau. Please verify all written letters. 18 USC 1028A Aggregated Identity theft. TransUnion Credit Bureau has committed a crime according 18 USC 2028A Aggravated Identify Theft. Please remove all inquiries on my credit Report with TransUnion.
Product: Debt collection

this company XXXX keeps XXXX this in my credit report from different collection agencies. I have had a government phone for XXXX years. I've NEVER used XXXX  in XXXX life. You have made them take this off my credit report XXXX times before and they wait a little while and use a different company to harass me and mark up my credit. Please make them stop doing this.
Product: Debt collection

I began receiving automated calls from XXXX beginning on XXXX/XXXX/16. First call at XXXX XXXX and the second at XXXX XXXX. On XXXX/XXXX/16, the first call was at XXXX XXXX and the second at XXXX XXXX. On XXXX/XXXX/16, the first call was at XXXX XXXX and the second was at XXXX XXXX. On XXXX/XXXX/16, I received one call at XXXX XXXX. On XXXX/XXXX/16, I received the first call at XXXX XXXX and the second at XXXX XXXX. On XXXX/XXXX/16, I received one call at XXXX XXXX. On XXXX/XXXX/16, I received the first call at XXXX XXXX and the second at XXXX XXXX. On XXXX/XXXX/16, I received one call at XXXX XXXX. On XXXX/XXXX/16, I received one call at XXXX XXXX. On XXXX/XXXX/16, I received the first call at XXXX XXXX and the second at XXXX XXXX. Today, XXXX/XXXX/16, I received a call at XXXX XXXX
Product: Credit card

Macys uses a company called MCCS for collections of accounts that are past due but not XXXX days past due. They use robocalling and most of the time no one is there. I am not the only one who is having this issue. The phone number they use is XXXX. I consider this to be harrasing. Macys statement on the bill is " A friendly reminder that your payment has not been month 's billing period. '' In my opinion this is not ethical business practices. On XXXX XXXX I received XXXX calls. This is unacceptable and harrasing for a bill that is XXXX days past due
Product: Credit reporting or other personal consumer reports

I dont recognize how these accounts are reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report.

This does not follow FCRA under 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) ,15 U.S.C.1681,15 U.S.C 1681A, 15 U.S.C 1681b, 15 U.S.C.1681i, 15 U.S.C. 1681n. 

1.Account name XXXX XXXX XXXX  Also known as XXXX XXXX XXXX  Account number XXXX Account type Collection XXXX XXXX Account number XXXX Account type Debt Buyer This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
XXXX, XXXX & XXXX Account number XXXX Account type Collection Responsibility Individual This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Under 15 U.S.C.1681 my rights have been violated.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report.
Product: Mortgage

I received a notice in the mail my escrow was too low, giving me the option to send in a lump sum to keep the escrow payment as it currently was, or another option to raise my escrow payments over the next 12 months to correct the balance. I opted to make the lump sum payment. It's now been 2 months since I made this payment but my escrow payments went up anyways as if I hadn't sent in the extra money. 

The real issue here though is the fact that I can not contact the company to amend my escrow payments. The company does not offer ANY way to contact customer service for an existing mortgage. The phone number given here, https : XXXX/www3.mtb.com/homepage/explore-the-m-and-t-bank-help-center/mandt-bank-phone-numbers-by-department/telephone-directory, XXXX does not offer a way to contact a real person to resolve this, and all other list departments tell me they do not have the ability to forward my call to someone relevant.