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

Hello, I am writing this letter regarding the claim that I filed about the 4 fradulent transactions on XXXX. On XX/XX/XXXX at XXXX XXXX  I received a Fraud bank teller alert from Truist claiming that someone was attempting to purchase for {$310.00} at XXXX on my card. After seeing that I was very annoyed because this is the second time my card has been compromised at Truist, I didnt know what to believe. 2 minutes later at XXXX XXXX  I received a call from the Truist Fraud department number, and conversed with who I thought was an actual specialist since the number was valid but this person who told me their name was XXXX, badge number ( XXXX ) told me that someone attempted multiple transactions on my card, and asked me for some personal information to access my account. Then they asked me to verify my balance by telling them how much I have. After that asking many questions like when was the last time you used XXXX, XXXX, or XXXX XXXX  after telling them they said well thats probably how the hacker got ahold of your information and assured me that everything would be resolved as long as I allow authorization on a total of 9 transactions, one to the hacker on XXXX by the name of XXXX for a total of XXXX  and XXXX to XXXX XXXX on XXXX all with the memo REFUND # # # # in order for Truist to block and flag those transactions, they told me that the transactions would not actually go through and it was all for security reasons and out of frustration I ignored all signs pointing to a scam. After the XXXX minute call from Truist they asked to do a personalized video call where they called me on XXXX using their badge number as the caller ID with the camera blocked where they ran me through the steps of authorizing the cashapp transactions for them to block it on the Truist system. After the 4th transaction, the others were blocked. They told me that Truist would send an alert in 1-2 minutes asking if it was me attempting it and to say YES because its all standard procedure, I complied thinking they were a truthful Truist specialist and they had me log out of my account for security reasons on the Truist banking app. After scamming me on cashapp the fake Truist bank teller told me to log back in this time using a one time password and username that they provided which consisted of my account number as the username when I told them I didnt know it by heart the call hung up. I call twice no answer so I went back and dialed the same Truist fraud department number that called me, this time an actual Specialist answered and made me realize that I had been scammed and that all the things I was told were lies, which is why I have filed 2 claims, one for the {$2000.00} scammed through XXXX and the XXXX  on XXXX totaling {$1500.00}. 

After a week the bank concluded their investigation without providing any provisional credits in the meantime and told me that they were unable to provide any refunds because I benefited which is absurd, and because the transactions were authorized, even though I explained to them the push-to-authorize method used
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT authorize this inquiry. I did not give permission for my social to be used to obtain this inquiry.
Product: Credit card

My personal credit profile was compromised around XXXX XXXX, 2016. Someone had stolen my personal information and opened up multiple accounts without my knowledge. This was reported in to XXXX, XXXX and XXXX XX/XX/XXXX and freezes placed on my credit profile. All unauthorized credit cards were closed down and I was not held responsible for any charges except XXXX. XX/XX/XXXX, individuals went into multiple Macy 's in California and were able to charge a large sum of goods on my existing Macys charge account. I did not authorize this and these Macy stores were some distance from my house. When I received XX/XX/XXXX 's bill, I learned of these Fraudulent charges and reported it to Macy along with a police report and Macy required their own form that I filled out which i did to show all the charge which were not mine. It has been over 3 months and Macy continues to do nothing except try to collect on the debt and report me late to the credit bureaus. I have always had perfect credit and can easily prove it through out the years. Now that I am being reported as 90 days late plus owing over {$5000.00}, other creditor are starting to lower my credit limit. For the last 10 days, Macys has been calling me. When I answer no one is there. Today I had a representative from Citi-Macy call my home and my husband waited XXXX seconds before the auto dial switch over to the Macys phone rep who was in the XXXX. He demanded payment from my husband who is not listed on the account. The call was recorded by Macys and my husband also recorded the call. My husband explained that the account should be listed as in dispute and that he was not going to make a payment until Macys concludes the investigation and adequete proof shows that I made the purchase at these multiple Macys, far from our residence on multiple different days. 
My issue is as follows ; 1 ) Macys is ruining my good credit by how they are reporting derogatory faudulant information on my credit report with the 3 credit bureaus. 
2 ) Macy is not acting in a timely manner. 3 months is too long to conduct their investigation 3 ) We are getting harrassed by Citi Macy collection department. They are discussing personal information with individual who are not on the Macy 's account 4 ) We are working within the confines of the law but Macy / Citi is not. The FCBA, FCRA and the FDCPA all seem to be being abused here This process has been extremely frustrating and I have spent close to XXXX hours now trying to clear my good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contesting the presence of unauthorized credit inquiries on my credit report, which were conducted in violation of Permissible Purpose 15 US Code 1681b ( a ) ( 1 ) ( 2 ). These inquiries were made without my consent or knowledge, infringing upon my privacy rights and potentially harming my creditworthiness. I have not granted permission to any individuals or institutions to access my credit information or initiate credit inquiries on my behalf. Such inquiries were conducted without a valid permissible purpose, as defined in 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and section 604 of the Fair Credit Reporting Act ( FCRA ). I hereby request an immediate investigation into these unauthorized inquiries and their prompt removal from my credit report. I kindly ask that you update my credit report accordingly and furnish me with an updated copy once the necessary modifications have been completed. The unauthorized credit inquiries in question are as follows : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX 
I anticipate a swift resolution to this matter, in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates a response within 30 days of receiving this correspondence. Should you require any additional information or documentation to aid in the investigation, kindly reach out to me using the contact information provided with this dispute. Thank you for your attention to this dispute. I have confidence in your ability to address this matter with the required diligence and professionalism.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a group of XXXX  attached and exploiting my identity and credit file using an unwarranted invasion of privacy to grant other individuals whom have agreed to be informants and provocateurs points on their credit and FICO score. These individuals have removed my XXXX XXXX account from my credit report and have reduced my credit by over 97 points even though all of my accounts are current. They are controlling my credit file illegally based on a malicious act and scheme for XXXX whom are involved in informant schemes with various XXXX and XXXX  organizations. I am engaged in federal litigation against Experian and you other two credit bureaus to attempt to end these schemes and they refuse to accept service of the lawsuit in order to extend this scheme for their XXXX and informants and they are controlling my identity through illegal means using an unwarranted invasion of privacy internationally from the XXXX and other agencies acting in collusion to grant lives to their informants. They have taken my credit points to apply too someone else 's score as part of a scheme to allow them access to veterans loans and credit. The docket number to this case is XXXX. These individuals have also surrounded this plaintiff as a part of their scheme to ensure enforce their will against the plaintiff on all levels and a continuous XXXX  scheme from several states mainly Tennessee.
Product: Debt collection

Retrieval master keeps calling me and I do n't have any credit cards or debt but they say I do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX CREDIT XXXX BANK Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX A XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I receieved an email stating I owed money for a payday loan in XX/XX/2017. This happened around the same time I was moving. The day we moved was maybe about 4-5 days before the trash was to be picked up by the city. Documents were thrown away, I am assuming my information could have some how been obtained from my trash. I called the payday loan company and I was skeptical due to the lack of professionalism from the representative. I searched the company and there we two websites under the same name with slight variations in name. I didnt want to give my information over the phone at first due that I felt it was a phishing trick to get my actual information. I also work at a bank which is what stopped me from providing too much information over the phone. I sent in the affidavit and the IC3 form as well. I thought going into a physical location I would be able to get the issue rectified and I was told they work on two different systems. After visiting the location on XXXX in XXXX , OH I reached back out and heard nothing. I now have a collections item on my credit for over {$6000.00}. I believe the original amount of fraud was around {$570.00} XX/XX/17
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 
account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Equifax id reporting improper information regarding a closed account. The XXXX XXXX Account is reporting XXXX missed payment and is reflecting as an open account. This account has been closed since 2020.
Product: Credit card

Chase Bank recently closed all three of my credit card accounts, where I have been a customer for XXXX years. I had approximately XXXX Ultimate Rewards ( UR ) points across these accounts, which are also about to forfeited shortly after closure. I strongly believe this action was taken unfairly as I have consistently followed the terms and conditions of the accounts and paid all bills on time. 

I contacted Chase customer service on XX/XX/XXXX to request clarification and resolution. Despite my efforts, Chase has not provided a satisfactory explanation or taken steps to resolve the issue. 

I believe Chase has acted unfairly in this matter. The abrupt closure of my accounts and forfeiture of my rewards points without adequate justification violates fair practices and undermines consumer trust.
Product: Checking or savings account

I tried to open my account on line on or about XX/XX/XXXX a process that usually has taken me about 30 minutes with several other banks. The first problem occurred when they would not accept my ACH transfer. This was finally accomplished on XX/XX/XXXX because I had to deal with many obstacles & phone calls had to wind up using snail mail twice. At that point, I already had so much time invested I continued to move forward. Once the account was established, I found out through one of the many calls I had to make that the rates & bonus were not as advertised.I spoke with " XXXX on XX/XX/XXXX about all my issues. 
I was so disgusted, I began the process of closing my account. I spoke with " XXXX '' on XXXX about it & indicated I would file a complaint. Because of so many obstacles & requirements, I again had to mail in the request to close my account which I did on XX/XX/XXXX. I also sent a follow-up email concerning my dissatisfaction on XX/XX/XXXX. I received e-mail from XXXX XXXX on XX/XX/XXXX requesting yet more info to which I replied the same day. I left follow-up calls to her voice mail on XXXX & XXXX indicating that if I did not receive my funds by mail or a return call, I would be filing a complaint. My account in the amount of {$16000.00} is still open as of this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was robbed when I was working for XXXX XXXX! My Wallet was stolen and car keys! Someone opened two accounts in my name with out my knowledge and Im having a hard time getting them removed and deleted! Im trying to buy a house and its stopping me from getting the home at this time!
Product: Consumer Loan

I BANK FINANCED A CAR AT A CAR LOT CAR HAD PAPER TAGS PAPER TAGS EXPIRED SO I WENT BACK TO LOT TO GET PLATES TO FIND CAR LOT HAD GONE OUT OF BUSINESS THE NEW OWNERS GAVE ME OLD OWNERS NUMBER I CALLED HIM HE TOLD ME TO CONTACT BANK AND THEY WOULD GET ME PLATES WHEN I CONTACTED BANK THEY HAD NO IDEA LOT HAD GONE OUT OF BUSINESS AND STATED THEY WOULD OBTAIN TITLE AND PLATES FOR ME THAT WAS XX/XX/2016 AND STILL AS OF TODAY I DO NOT HAVE TAGS FOR THE CAR SO I CANT DRIVE THE CAR OF PURCHASED XX/XX/2016 BECAUSE THE BANK CAME BACK AND STATED THE CAR LOT NEVER COMPLETED THE TRANSFER OF TITLE FROM THE PREVIOUS PLACE THEY HAD GOTTEN THE CAR FROM SO THEY SOLD ME A CAR THEY DID NOT HAVE POSSESSION OF. IVE BEEN CATCHING THE BUS UBER AND PAYING FRIENDS AND FAMILY TO TAKE ME HERE AND THERE AND BACK AND FORTH TO WORK MY CHILDREN HAVE BEEN LATE FOR SCHOOL ON NUMEROUS OCCASIONS AND ME AT WORK HOWEVER IM STILL MAINTAINING INSURANCE ON THE CAR
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : CITI XXXX Date Opened : XX/XX/2005 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

in accordance with the Fair credit reporting act Account # XXXX XXXX XXXX XXXX has violated my rights.

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 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a Transfer of Assets from my CasApp account to my XXXX account. The transfer consisted of XXXX shares of XXXX stock. As of XX/XX/XXXX, XXXX had submitted my transfer request to CashApp, and my XXXX account showed a completion date of XX/XX/XXXX. I found this odd as both websites stated that transfers generally take 3-5 business days. I contacted XXXX twice via email chat in the span between XXXX to check on the status. Both times I was assured that everything was fine with my transfer and they were just waiting on CashApp to respond. The shares were not transferred as of XXXX, so I called XXXX to check. Again, I was reassured that everything with my transfer was fine on their end, they were simply waiting on CashApp, who had yet to respond to the request by this time.

I have attempted to contact CashApp several times during this time span as well. I sent emails on XX/XX/XXXX, XXXX, XXXX and XXXX. To date, I have received one response on XXXX, and it was a generic copy/paste email that did not address my concerns directly. I contacted chat support through the app on XXXX, but was told that my question would have to be answered via email. I also received a generic email as a response, stating they'd be in touch with me in the future. I have tried calling their customer service phone number numerous times, but it rings once and then goes to dead air. 

My shares/money have been tied up for a month now. I'm unable to buy/sell/trade with my CashApp as it could cause the transfer to fail, and possibly create additional problems. This is now causing me financial hardship as I can not touch my own money and would like to sell off some of my shares to take a profit.
Product: Money transfer, virtual currency, or money service

Yesterday, XX/XX/XXXX, I created an online account with the Walmart   MoneyGram Service and requested a transfer of {$580.00} to a nephew in XXXX, XXXX. 

The money was to pay for the school fees and room and board of another nephew. 

I was given the standard transfer options along with their corresponding fees : cash pick, bank account deposit, payment by debit or credit card, or using a bank account. 

I opted to pay with a credit card and submitted the requested amount mentioned above. 

An automated message said to wait while the request was being processed. I was further informed that the process could take up to 30 minutes so I could log out and check back. Alternatively, I could simply wait for an email from MoneyGram that would tell me if the request was successfully processed or not. 

Because I have used the same service countless times over the years to send money to XXXX albeit usually in person from within a Walmart storeXXXX I did not think much of it. The transaction would be approved because the money is going to a recipient I have used on more than 25 occasions. 

To cut a long story short, I received the promised e-mail but it said the my transaction could not be completed. I therefore decided to resubmit it with XXXX XXXX because their service location was closer to me than the local Walmart store. Two hours later, an attempt to log into my account MoneyGram account proved unsuccessful. I received a message that said my request could not be processed. 

I did not think much about it because I thought the webpage was simply having problems. But when I tried three times again between XXXX and XXXX XXXX today XXXX XX/XX/XXXX ) and kept getting the same message, I decided to call XXXX and report the program. I thought it was strange that I should see the same message for almost 24 hours if you include the failed attempt from yesterday XXXX XX/XX/XXXX XXXX. 

It was during todays inquiry that I found out that I have been permanently banned from sending money through the Walmart MoneyGram Service. Shocked, I asked the lady I was speaking to what the reason was and she said such issues are not discussed over the phone. Apparently, MoneyGram will send me a letter in the mail later to explain their decision but I would like this Agency to oblige the company to disclose what exactly I did yesterday to warrant such a punishment. Was my crime the fact that I attempted to use their service online instead of going into a Walmart store as I usually do? Was it the fact that I opted to pay with a credit card instead of my debit card as usual? And if the answer to any of those questions is " yes, '' I would like to know why MoneyGram provides those options in their online service in the first place. If I violated any of their security protocols, I would like to know which one and why I never received any advanced warning about the problem I was about to cause. 

Thanks.
Product: Debt collection

Car debt was sent over to collections agency and I have made several attempts to contact the collections agency to settle the debt and have it removed from credit report and each time Ive called Ive been sent to a voicemail and no luck of speaking to a representative