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

On XX/XX/XXXX I purchased two XXXX ornaments that were supposed to be 51 inches tall for {$99.00} using my Barclays Frontier card. When the merchandise arrived the two ornaments were approximately 12 inches tall and didn't even look like the ones we ordered. We sent the items back Certified Mail to the address the return address on the package we received. This was a scam. They knew what they were doing. I took pictures of the box I returned them in as well as the envelope they were shipped in through the US Postal service. I can verify through the US Postal Service that the items were delivered. However, this company denies that they were received. They refuse to refund me my money. I disputed through Barclays, provided pictures of the return envelope as well as pictures of the items that were shipped. They have denied my dispute and refuse to refund me and offer no solution. I asked them what I could provide that would enable them to refund me and they said there was nothing more I could do. The credit card claims to offer protection from fraud. I have complied with everything they have asked me to provide and still refuse to refund. I have done the right thing. I went ahead and paid off the card but I am not happy about it. I would like for them to honor the fraud protection they claim to provide.
Product: Credit card or prepaid card

On XX/XX/2022, I called Citizens Bank to set up a new Savings Account. The phone number on their online banking portal- XXXX is not a Citizens Bank phone. It belongs to a different company that asks you for your personal information. This is a deceptive as it is not disclosed that it is not a Citizens Bank line. 

I hung up and called their general line and they had no idea about it. Regardless, they were unable to help me because they Citizens Bank can not open an account over the phone - Misleading advertising! 

Lastly when I was in the middle of setting up the savings account online, I was directed to their disclosures page where there was an offer for a credit card. This is a very deceptive page as the offer to decline is not as prominent and the option to continue without accepting is not allowed. I pressed continue which then brought me to the screen saying my credit card offer was approved and I would be getting a card in the mail. I DO NOT want a credit card from Citizens Bank and I want this inquiry to be removed from my credit report. Furthermore I want Citizens Bank to look into its deceptive practices and fix this credit offering. Also the false advertising of an incorrect phone number belonging to a different company needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this debt off in XX/XX/XXXX and was advised by someone in the compliance department that it would be removed off my credit. Just recently I was informed that this debt is not only still reporting on my credit it's still showing opened. The agreement was that if I paid the debit that they would have it removed, all of this was stated on a recorded line. Today, XX/XX/XXXX I called and got an representative by the name of XXXX whom refused to give me her agent id and transfer me to compliance after asking multiple times she then transferred me to escalations where I spoke with an rude representative by the name of XXXX. She also refused to send me over to compliance and stated that she would contact them for me. She came back on the line and stated that they stated that the item wouldn't be removed, which isn't true. This company took my money under false pretenses while giving false information. I will be contacting an attorney to have my money refunded back to me and have this item deleted as promised. I will be reaching out to the media about this company, and will continue to file complaints against this company with the CFPB and XXXX until this matter is rectified.
Product: Credit reporting or other personal consumer reports

I JUST CHECKED MY CREDIT REPORT FOR TH E FIRST TIME AND NOTICED THERE ARE UNAUTHORIZED INQUIRIES ON MY REPORT MY SOCIAL MUST HAVE BEEN USED IN THE LEAK OF THE DATA BREACH - 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 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 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 or other personal consumer reports

i was reviewing my credit report and noticed some inaccurate information
Product: Debt collection

I spent 2.5 hours on the phone between XXXX XXXX XXXX and Bank of America trying to prove this phantom debt was not real. I want to file a compliant with CFPB for fraudulent activity by the third party acting on behalf of Bank Of America. They are pursuing innocent people and are committing mail fraud and wire fraud trying to collect non existent debts. 

On XX/XX/2024 and XX/XX/XXXX I received an automated call from ( XXXX ) XXXX. The message was prerecorded used the reference number XXXX. The message said : " Call us regarding this urgent matter. '' They did not provide a name of the business or any other details. I called back. The agent found the case and said I had an outstanding balance of {$8600.00} that had to be paid in full today to avoid being sued. They claimed I signed a waiver that allowed the lender to put a lien on my property and or garnish wages. I had until XX/XX/XXXX to pay this amount. They claimed they were the company hired by Bank of America 's lawyers to confirm the debt. 
The first agent I spoke with could not give me any verifying information about the debt other than the amount and the originating creditor. She transferred me to the " Lead Arbitrator '' who was hostile and yelling that they were trying to help me by allowing me the opportunity to pay in full today. When I told her I did not have any or ever had any delinquent accounts through Bank Of America or its credit partners, she told me if I kept being argumentative, she was going to hang up on me. 

I have attached the copy they emailed me at my request because I had not received supposed letters thy had mailed to us on 3 other attempts to inform us of this debt. They claimed they were not collection agency but clearly in the letter attached to this file- they ask for money and provide an online payment portal and even text to pay phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

RMP LLC is violating my rights as the consumer and hindering my reputation. THis third party has illegally bought my information by never contacting me the original creditor of this resell nor identifying me as the consumer according to 1681e ( 2 ) and 1692g notice of debt within five days. This company never received my HIPPA release to be able to collect on this alleged debt. nor to go after veteran medical information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are fraudulent bank inquiries on my Chex systems file I need removed. I don't recognize all these bank inquiries nor did I authorize them
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I began receiving notices of credit inquiries that I did not make through XXXX. Unknown persons attempted to apply for a Master Card through Macy 's twice. Also, in late XXXX I was contacted by XXXX XXXX with a suspected fraudulent application for a {$25000.00} student loan using my information as a co-signer. The most recent activity was an unsolicited inquiry to Macy 's and American Express on XX/XX/XXXX. I found out afterwards that the perpetrators were able to reopen my XXXX account. I was able to re-freeze my XXXX account with a fraud alert and I have spoken to both Macy 's and American Express and reported the inquiries as fraud.
Product: Credit reporting or other personal consumer reports

Here is an Affidavit of Truth you can use to dispute the fraudulent address on your Experian credit report : -- - Affidavit of Truth XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Cc CFPB Subject : Affidavit of Truth Dispute of Fraudulent Address I, XXXX XXXX, a living, breathing man, do hereby declare under penalty of perjury that the following statements are true and correct to the best of my knowledge : 1. I am not now nor have I ever been associated with the address XXXX XXXX XXXX, XXXX, GA XXXX. Any records or accounts linked to this address under my name are the result of identity theft, fraud, or misrepresentation. 


2. My lawful and correct address is XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. 


3. I formally demand that Experian immediately remove the fraudulent address from my credit file and update it to my lawful address listed above.

4. I have attached copies of my government-issued identification and utility bill as proof of my identity and residence. 


5. Any refusal to correct this inaccuracy would constitute willful defamation of my character and violation of the Fair Credit Reporting Act ( FCRA ). 



I declare that the foregoing is true, correct, and complete to the best of my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not recognizing my user name or password. They previously allowed someone to change my user name and password. They may have allowed this to happen again.
Product: Checking or savings account

I mailed a check to pay a bill through the USPS. At some point during the mailing process, the check was stolen. The payee 's name was changed to another person and cashed at a bank in Nevada. 
I notified my bank ( Chase ), both parties submitted documentation of the incident to my bank, and my bank opened a claim to investigate the stolen check. 
Over the next 6 months, I called Chase Bank for an update. They kept telling that they are waiting to hear from the bank that cashed the check to reimburse the funds. 
Today ( XX/XX/14 ) Chase responded that the funds will not be reimbursed because : WE ARE DENYING YOUR CLAIM BECAUSE THE TIME FRAME TO REQUEST REIMBURSMENT HAS PASSED. 
This is not true. This claim was submitted on time. Chase Bank has been fully aware of this claim for the past 6 months. 

During the investigation, a representative from Chase Bank said that I should not pay my bills by paper check through the US Mail. This is a very common method of payment. I did nothing wrong or unusual.
Product: Credit reporting or other personal consumer reports

In my previous report, accounts were flagged as fraudulent and supposedly removed per my Federal Trade Commission ( FTC ) report. However, these accounts remain on my updated report. ChexSystems has failed to uphold its stated commitment to remove these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion offers a service called XXXX that provides landlords with full credit and criminal background checks at the expense of the renter. 

When I called to ask about obtaining a copy of my credit report in XXXX, I was directed to the FAQ on the website which directed me to call transunion directly. The operator was unsure of how to proceed and I have yet to receive a copy of the information that I was charged for, and that was provided to a prospective landlord. 

It has been more than a month and the process seems to be intentionally designed to confuse and deter people from accessing the information that they pay for. It is deceptive business practice at best, and outright illegal at worst.
Product: Debt collection

First call from IQ Data International was XX/XX/<YYYY>. Regarding a XXXX dollar fee that was still owed to our prior apartment building that was n't forwarded to me. ( We were charged XXXX for a new blinds my 3 year bent security deposit was only XXXX ) I did n't answer the phone as I was at work. 
They then proceeded to call my husband also at work and finally a friend of ours who was listed as an emergency contact. First day of the collection and they extended it past our household. 
I called the number that had called me after work and I was told that about the debt and I mentioned that because of a larger then usual medical bill I would have to wait until XX/XX/XXXX when I got paid. They asked me if there was anyone in my family that could pay for it. If I could put it on a credit card because at the end of the month the fee would double. They kept me on the phone for 15 minutes trying to pressure me to find someone else to pay for it. To give them my account information ( routing and checking ) etc. I refused to and told them I would call back XXXX. 
They called again XXXX twice on my phone did n't leave a message either time, once on my husband 's phone and they called my friends who was our ICE. Again I made arrangements to make the payment on XXXX. 
Thursday they called me twice while at work and I answered the second time and had to go through the same process as the first day. Explaining the call would happen the next day. 
XXXX I got a call at XXXX exactly. Was driving so did n't answer. Husband called them at XXXX to pay. They encouraged him to pay with a routing and checking account number instead of his debit card. He said no and asked what their policy on phone call frequency and caller laughed. Husband paid and he had to ask twice for a confirmation number. 

We never got a letter from them. First call was XXXX and the frequency would make one think we had moved out of the apartment a year ago not 2 months ago. I 'm lucky I could pay today but I hate to think what someone who could n't would have to put up with. I asked them XXXX to not call until XXXX and was assured it would happen. Harassing bullies.
Product: Credit card or prepaid card

JP Morgan Chase Bank. Is accusing me and my daughter of doing fraud with my credit card that I used to have. Chase close my credit cards and for an unauthorized transactions. the investigations where not conducted and processed with sustainable evidence. I Requested to see the evidences they have and never send me any prove. I request to have a copy of my rights as a client and they couldnt give it to me. When I ask if my credit card will be open they told me that it was deny and didnt allow me to have it back neither apply for a new credit card. My balance was almost ceros. Still they deny it.
Product: Credit reporting or other personal consumer reports

I noticed that your company is continuously reporting inaccurate and incomplete accounts on my credit report. I never failed to inform you numerous times via mail about this issue however, I have never received any actions on your end. Please delete these inaccurate accounts on my credit report immediately. 
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

XXXX XXXX Promised to fix mine and my mothers credit. They said they had 7 negative item removed but as far as I see what they said they have removed it was still showing on my report I contacted them and asked for my refund due to no improvements and no delivery of services promised. They tricked me into resigning up promising they will do better this time. But they havent put one foot into fixing credit as of now.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Reporting incorrect credit score from XXXX, property manager, Experian and XXXX. 

2. XXXX tenant screening report showing incorrect current address as XXXX XXXX XXXX XXXX. This is a previous address. Current address which is XXXX XXXX XXXX XXXX XXXX XXXX is reported as previous. 

3. Under eviction search, XXXX/Experian shows 2 items. Item # 1 has been satisfied and should be completely removed from reporting. Item # 2 did not involve me as i was not the tenant. The plaintiff erroneously included me in the action. I was never a lessee of this property in question. The lessee/defendant was the plaintiff 's son. This should be removed entirely.
4. Under credit information bureau, medical payment data, collection amount of {$120.00} has been paid in full and should be removed from my report.
Product: Vehicle loan or lease

Came upon hardship to make payments. Sent what I could and vehicle repossessed. Vehicle was sold and they came after me with what they thought the value of vehicle. Was unable to pay it and it went to credit bureau which damaged my credit.
Product: Money transfer, virtual currency, or money service

I think my bank account got scammed and I have talked to my bank about it today. My account XXXX my money to other people that I don't know and I don't know why my money XXXX to others.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I, a consumer and natural person, was denied credit by U.S. Bank when I applied for Application Number XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by U.S. Bank due to the response I received. U.S. Bank is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of U.S. Bank according to law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card from XXXX XXXX  
Once I had access to XXXX XXXX on line ( your XXXX from TransUnion ), I saw that Trans Union reported that I filed a XXXX on XX/XX/XXXX. That is not correct. 
I just checked ; it still shows that. 

I did file one in XX/XX/XXXX, which shows correctly on my Trans Union credit profile. 
But date provided to XXXX XXXX is wrong. 

I contacted Trans Union twice, language barrier was tremendous. How am I supposed to discuss matters as serious as credit report with someone who has no idea what I'm talking about!! How are these companies allowed to do that? Trans Union did nothing to help me. 

Trans Union reference number provided by XXXX XXXX is : XXXX.
Product: Debt collection

Good Evening. Can you help me understand this? I recently noticed a collection accounts on my credit and I immediately called and make the payment to get the item removed from the credit report. So under duress, I went ahead and paid as agreed anyways> PLease ensure that this is removed from all the 3 major credit bureau. Also, there are multiple errors with the way this account is reporting on the 3 credit bureaus. How is it possible that same account is reporting different information.
Product: Consumer Loan

Here are my concern, I am upset and annoy that Credit Acceptance would not understand my problem. I explain to them that I am victim of flood that hit state of South Carolina in XXXX XXXX. Because of the flood, it is the reason I am have trouble making payment of my auto loan. This flood damages my home and also put me out of work for few months. Now I had this auto loan since XXXX XXXX and always made my monthly payments on time and more than what is asked to be paid. My monthly payment is {$280.00}, but I always made {$300.00} monthly. On Friday night I made a payment of what is owe leaving me a balance of {$60.00}, so when I got home later that night I find that my vehicle were missing out my backyard. After calling the police to file missing report my vehicle is gone, the officer told me to call the financial company first because they may have it. If Credit Acceptance told you that they done then call back and we file missing vehicle report. I call Credit Acceptance ask where my vehicle is, nobody could not answer my question until next day. Credit Acceptance wanted me to make payment arrangement for the balance amount of {$60.00}. I am confused is what I explain to them because I do n't understand if my vehicle has shut off system on it, then why come and get the vehicle. I got no answer ; instead they wanted me to make arrange for the balance amount of {$60.00}. When I questions them about state of South Carolina law on repossess of vehicle, here is what Credit Acceptance told me " we are second chance auto loan provide and we do n't have to give rights to notice letter. '' I call the dealer to explain my situation and the dealer were very shocker because he was told if you communicate with Credit Acceptance they would never come get the vehicle. 
So I had to pay a fee of {$250.00} to get my vehicle back, and {$50.00} fee to towing company that clean out vehicle. Not to mention the cost for travel to get my vehicle from XXXX, SC at auction. The Credit Acceptance told me that I still had fee to pay on top of my regular monthly payment. That fee came too totally of {$850.00}. Credit Acceptance break down into monthly fee attach with my monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a settlement offer from Moneylion for Loan # XXXX to settle the account as paid in full for {$210.00}. They advised they would reduce the principal loan balance by 30 % and wave the remaining balance fees and interest. The offer had an expiration date of XX/XX/XXXX. 

On XX/XX/XXXX I submitted a payment for {$210.00} and received a confirmation that the payment had been received. When I login to my account the loan status reflects that the loan has been 100 % paid off as of XX/XX/XXXX. 

My credit report with XXXX  and XXXX  reflect that I still have a balance pending of {$93.00}. I submitted a dispute and they came back saying the balance pending is {$110.00}. Moneylion continues to reports this incorrect information on top of that saying my payments are past due and reporting a late payment every single month which is destroying my credit. I reached out to Moneylion directly on XX/XX/XXXX and they refuse to remove and fix the issue. I submitted the documentation such as settlement offer and proof that the loan has been paid. I also submitted bank statement showing the payment cleared and even a screenshot of my Moneylion account showing it's been paid off 100 % I emailed back and forth with at least 4 people and they all refused to fix it. XXXX  also refused to fix it even when I submitted documentation proving it had been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion and XXXX  has not tried to fix my issues even after the police report and idtheft letter cra violation taking more than 30 days to fix the security breach that equifax has cause me to lose time from work also my life with credit issues