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

On XX/XX/XXXX, my account was used to make a fraudulent purchase through XXXX to a fraudulent business identified as XXXX XXXX XXXX. XXXX sent an invoice receipt showing the purchase of XXXX shipping containers in the amount of {$3500.00}. I contacted Wells Fargo immediately to report that the charge was a scam and the company info on the invoice was not that of an actual company. The website listed XXXX is a bogus website with contact information and what information is available, it does not match the product type on the invoice. The email address listed is a bogus email which returns failed to sender and the address isnt valid. The physical street address listed on the invoice is also fake, coming back to a completely different business whom I contacted and they have never heard of this company or the name XXXX XXXX that was on the invoice as the alleged sales person. Wells Fargo had this information, submitted the claim to VISA for fraud and was returned on XX/XX/XXXX as charges authorized and a reversal of temporary credit being removed from my account on XX/XX/XXXX. I contacted Wells Fargo requesting further assistance and was just told numerous times I would have to contact the merchant, even though I explained over and over again that the merchant cant be reached because they are a scam. They claimed that XXXX investigators validated the charge however because the charge went through square, square only validated that a charge was made and there is no proof from either entity that can be provided at this time that the merchant is in fact valid or that any information is available to contact them. I have contacted Visa who put this back off on Wells Fargo, I have spoken to XXXX different people at Wells Fargo who are clearly incompetent in the handling of the claim and refused to listen to the information I was providing them. I explained on multiple occasions that I did not authorize a fraudulent charge and that we have not received any goods, nor services, from this alleged merchant, and that the merchant does not in fact even exist. Still I got no where and asked multiple times to speak with a supervisor. One agent told me there wasnt a supervisor which I know was complete garbage, another agent told me they would have to escalate it to the XXXX branch which could take XXXX business days, and another agent told me they would take my phone number and I would receive a call back from a supervisor. To which none of these have happened. I am absolutely furious that I stand to lose {$3500.00} for a complete fraudulent scam and neither Wells Fargo, XXXX  nor visa has any care in the world to assist with this. They have just passed this off on to one another. 

Please take note of the invoice I have attached that I received to my email. The address, company info and email address to this company are fake and a quick XXXX search of the address shows proof that this company does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a car with Start Auto Finance. According to the document, loan amount was for {$22000.00}. I started making payments on XXXX and its now XX/XX/XXXX and yet have they updated my credit file with those payments. 
In addition, according to my credit file, it reflects that the balance owed is {$45.00} more than initially loaned. 
Ive inquired with the company on multiple occasions but never got a answer as to why. When I went to make my last payment, first week of XXXX, I asked the receptionist if I can speak with someone regarding the credit reporting in which she had a conversation by phone with someone else and eventually told me theres no one that can assist me. I asked for a supervisor or manager and was told no one was there. I asked for a number and given one only for that to be directed to the receptionist. Thats very unprofessional.
Product: Credit reporting

I sent two dispute letters to have these accounts validated because they were reporting incorrect information and both times the agency stated that they verified the information and I know for a fact that these items should not still be on my credit report. The credit bureau is not validating the information as stated. The company is changing dates to more recent dates and stating that I made payments when I have had no contact with them for years.
Product: Checking or savings account

On XX/XX/2019 I opened a Keybank checking account for a {$400.00} promotion. 

After opening the account I was to make a direct deposit of {$500.00} within 60 days in order to receive the {$400.00} sign on bonus. The qualifying direct deposit was made on XX/XX/2019. On XX/XX/XXXX I inquired through the bank 's chat portal when the bonus would be deposited and was told I would need to inquire by way of email and wait 24-72 hours for a response, which I found unacceptable for a simple question regarding an advertised promotion. 

Today on the phone their customer service agent informed me no bonus could be deposited for 150 days ( 60 days from account opening + a 90 day investigation to confirm I've fulfilled the terms of the promotion [ to reiterate : the terms of the promotion were to open a checking account and make a direct deposit which should be automated ] ).
Product: Mortgage

I am Personal Rep for my daughter 's estate, obtained Homeowner 's Insurance for her property from XXXX XXXX XXXX  that was within the required parameters of coverage, effective after her policy expired ; policy effective XX/XX/23. Telephone contact with XXXX XXXX XXXX  revealed that Nation Star Mortgage dba Mr. Cooper bought the policy without notice or my permission and did not reflect initial payment of {$1600.00}, which is affecting escrow account, and they are wanting additional payment. I received no notification or correspondence from Mr. Cooper; found the insurance status by searching their website myself.

Attorney and I both unable to contact Mr. Cooper successfully ; put on hold and then left without any further contact from " customer service. '' property mortgage address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Enerson Law firm sent a " dunning '' letter to consumer dated XX/XX/XXXX on law firm letterhead which violates the Fair Debt Collections Practices Act ( " FDCPA '' ) 15 U.S.C. 15 Section 1692e and 1692f. The law firm commits a number of violations in the letter. The XXXX XXXX notes that " dunning '' letters ( sent on law firm letterhead ) that contain offers to settle 'time-barred ' debt misleads unsophisticated consumers as to the legal status of the debt and violates the FDCPA. Consumer recognizes the debt Enerson Law Firm is attempting to collect is over XXXX 's 4 year statute-of-limitations ( SOL ) law for debt collection. Consumer does not wish continued communication with Enerson Law Firm after this formal ( dispute ) complaint is lodged with the CFPB as the complaint will be tendered as evidence in a court proceeding if necessary. Consumer makes known that - if an agency ( or law firm ) incorporates the use of form collection demands on attorney letterhead the agency ( or law firm ) MUST incorporate " meaningful attorney involvement '' into its collection process ; 15 U.S.C. Section 1692e and XXXX vs Law Offices of XXXX XXXX XXXX XXXX XXXX, No. XXXX. XX/XX/XXXX - US XXXX XXXX. If Enerson Law Firm does not cease contact with Consumer by mail/phone/email consumer will file a state and federal lawsuit against the entity for violations of the FDCPA, FCRA and TCPA. Consumer thanks the Consumer Financial Protection Bureau ( CFPB ) for providing this venue as a viable avenue of documentation and mediation. It is greatly appreciated.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Putting fraudulent accounts on my credit report 18 USC Section 241 15 USC 1650 15 USC 3002-10 ( Person )
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX   {$860.00} Account number XXXX Collection opened Loan Amount {$860.00} {$900.00} Payment Info Original loan amount {$900.00} Balance {$860.00} XXXX XXXX XXXX  XXXX Original creditor : XXXX  {$0.00} 100 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Balance Loan Amount {$620.00} Payment Info Original loan amount {$620.00} Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$240.00} Account Info Hover over labels for more details Account XXXX Account status Closed Date opened XX/XX/XXXX {$240.00} Past due amount {$240.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  XXXX {$740.00} Paid, closed Account XXXX Account statusClosed Date opened XX/XX/XXXX {$740.00} {$500.00} Past due amount {$740.00} XXXX XXXX  XXXX $ XXXX XXXX XXXX   XXXX  XXXX XXXX {$5300.00} Account Info Account XXXX Date opened XX/XX/XXXX Balance Loan Amount {$5300.00} LABELS FOR MORE DETAILS ACCOUNT NUMBER XXXX XXXX XXXX XXXX {$0.00} Paid, closed Account Info Account XXXX Account status Closed Date opened XXXX XXXX, XXXX {$0.00} {$300.00} XXXX XXXX  XXXX {$0.00} Paid, XXXX  XXXX XXXX XXXX XXXX Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Account Type Unsecured Balance {$2600.00} Date Opened XX/XX/XXXX XXXX XXXX {$210.00} Original creditor : XXXX  Balance {$210.00} {$210.00} Opened XX/XX/XXXX Opened XX/XX/XXXX 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I've disputed blatant factual inaccuracies on my credit report. XXXX XXXX  XXXX XXXX - XXXX, FDCPA Violation Collection account inaccurately reporting a Past Due amount. Collection account is by default past due. XXXX XXXX XXXX XXXX XXXXXXXX, FCRA Violation Date of Last Payment inaccurately reporting. XXXX XXXX XXXXXXXX, FCRA Violation Date of Last Activity has been illegally re-aged. Inquiries NOT authorized. NO permissible purpose ( firm offer of credit, insurance, court order, employment ). XXXX XXXX XXXXXX/XX/year>, XX/XX/year>. XXXX XXXX XXXXXXXX XX/XX/year>. I've asked Transunion to provide their method of verification which they havent & continue to report items they claim as accurate which are obvious violations & inaccurate information.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis sold my personal information to XXXX XXXX, without my permission or knowledge. I received unsolicited credit offers from XXXX XXXX, in the mailer that was sent they indicated that my information was received from LexisNexis I filed complaints against both companies with the XXXX XXXX XXXX. I received confirmation from XXXX XXXX that my information was put on their do not solicit list. I also received a form letter from LexisNexis indicating that my records were removed from publicly facing records products they did not indicate if my information would be removed from additional unsolicited offers. LexisNexis also has 3 levels of opt-out they did not indicate which level I am enrolled in. I have tried to resolve this through the XXXX and their call center, but have not had luck. In addition they print false and misleading phone numbers indicating that there is a LexisNexis Privacy Hotline XXXX which does not exist and sends consumers directly to their call center with no help whatsoever. I ask that the government invest the business practices and data practices of LexisNexis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy from  XXXX  to  XXXX . The credit card   XXXX    through   XXXX   XXXX   was placed in the chapter   XXXX   bankruptcy. I sent full payment of   XXXX   to the bank and a check was returned to me stating due the account is in bankruptcy, they could not accept any payments. The bankruptcy was dismiss  XX/XX/XXXX  and they continue to report that my account was late during the time it was in bankruptcy. The account should have reflected never late because it was in bankruptcy.
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I contacted   XXXX   XXXX   several times to resolve the issue but I keep getting bounce to the bankruptcy department and back to customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$130.00} XXXX  XXXX Balance : {$160.00} XXXX XXXX Balance : {$32.00} DP OF EDUC XXXX Balance : {$8000.00} DP OF EDUC XXXX Balance : {$6300.00} XXXXXXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to consumer privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents regarding my complaint against TRANSUNION. They are reporting a late payment when I have proof that the account was paid on time, and there is a finance charge on my sales contract so there is no way that the account can be considered late. The account is XXXX XXXX  XXXX. I also filed a CFPB complaint against XXXX XXXX  in which they have yet to respond or provide validation so this should not be reporting on my credit report. Please see the attached letter that was sent to Transunion last month.
Product: Mortgage

I have not received my end of the year Statement from Select Portfolio Service. It is against the law, for Select Portfolio Service, not to send my end of the year, 1098 statement. It is against the law, not to receive my monthly statements on time. Select Portfolio Services forged my name to fraudulent documents that were cut copied and pasted. I have a paper trail of deceitful acts from Select Portfolio Service. They will lie cheat and steal. Select Portfolio Service lied on my credit report, which is against the law. Select Portfolio Service, sent me a letter with a different address, than the address on my my mortgage statement, telling me to mail my payments to a fraudulent address in Florida, the address on my mortgage statement, is in Utah. The fraudulent letter and address did not match the address on my mortgage statement. I switched home insurance, to XXXX, and XXXX notified Select Portfolio Service. Select Portfolio Service is a corrupt company. When the company respond, it has absolutely nothing to do with your response. I have a paper trail of deceit from Select Portfolio Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked for a company that had a company account. The company went out of business in in XX/XX/XXXX. I had a company card, and the account was with American Express. There is absolutely no contract between myself and American express. In XX/XX/XXXX, they assigned the company debt of approximately {$15000.00} to by personal credit score. I spent the next three months trying to get them to assist, consistently I was transferred, put on hold and hung up on spending more than 40 hours on  the phone. 

Finally, I disputed this 6 times through XXXX. American express rubber stamps that it is accurate and they won't assist. I call them multiple times, they say they no longer have my account and can not help. They indicate its been moved to national credit collections agency. 

I have spent over 8 hours on the phone with the XXXX XXXX XXXX XXXX. They have offered to let me buy them out at a XXXX to have it removed. I told them I would pay that to get out of this horrible nightmare, but I wanted to see the contract between Myself and American Express. Three times they sent me the card holder terms and conditions, but no contract between myself and American Express. 

I'm trying to avoid getting a lawyer and spending more money, so XXXX personnel told me I could contact you on this false negative credit issue. I had a XXXX credit score, and have never missed a payment in 20 years. I now have a XXXX score, and couldn't even finance a car. 

FINALLY, THE ACCOUNT THEY INCORRECTLY ASSIGNED TO ME WAS OPEN FOR YEARS. IT SHOWS NO HISTORY IN MY CREDIT REPORT EXCEPT WHEN THE SENT IT TO COLLECTIONS IN XX/XX/XXXX. Per the company accountant, this account was in good standing for a long period of time before they assigned it to me personally. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX did not have authorization or permissible purpose to access my credit report.
Product: Credit reporting or other personal consumer reports

I have called and reported that my card was lost! and as of today they are calling me and asking me the same question, which i'm at work and going through a lot of stuff. why is it my responsibility to constantly explained myself over and over. they are putting me in a XXXX  situation. and i had to constantly repeat my social security number to them? who are they people? XXXX? 

does anyone know if still harassments can be handle at the federal level?
Product: Credit reporting or other personal consumer reports

I have attached an updated Identity theft report previously sent but not received. The previous agent notified me to send it to XXXX XXXX XXXX at the XXXX PA address and I have done so as well. 
The accounts and inquiries listed on the identify theft report are reporting as a result of identity theft. I have not authorized these accounts nor ever done business or had any relationship with the companies listed on the identity theft report and my notice of identity theft and have been added initiated, and/or transacted without my knowledge and are NOT authorized by me. 
In accordance with 15 USC 1681c-2 ( a ), this information must be blocked and removed from my consumer credit file within 4 Business Days of Receipt by the consumer reporting agency i.e, TRANSUNION.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation 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: Debt collection

On XX/XX/23 Credit Acceptance started garnishing my wages without any warning. The amount is {$140.00} a week.