23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

There is a fake company alleging that a transfer I made that cleared within seven days from both banks, ( Western Union approved and accepted the transaction after the standard processing time. ) was returned from my bank and that Western Union didnt receive payment for services. The first claim came in my inbox a month later. No formal letter it call, nothing, if there had been an issue.

Now they have been illegally harassing me and attempting to collect from a division of Wester Union that collects debts, but they don't have a consumer collection ID or display the laws for collecting a debt. They've mostly emailed me relentlessly and when I called to tell them to stop they continued, the representative was barely soaking English and began to yell at me, claiming they are real.i think hackers got a hold of my info and are scamming me gir the precise price my transaction was.

The original proceeding information Your tracking number ( MTCN ) is : XXXX Please use this number for any questions about this transaction. 

Date of order : XX/XX/2017 Time of order : XXXX ET Amount sent : {$5000.00} Money transfer fee : {$5.00} Total amount : {$5000.00} Transaction type : Bank Account This is the email with phony none Western Union information : Western Union is providing the following details to validate the legitimacy of the money transfer services provided to you through westernunion.com. We received a claim from your bank after the money had already been paid out to the receiving party, as a result, Western Union is unpaid for its service to you MTCN Transaction Date Sender Receiver Return Amount XXXX XX/XX/2017 XXXX XXXX XXXX XXXX {$5000.00} Please contact Western Union Financial Services to set up a payment as soon as possible. Our payment option includes : Over-the-phone  Payment You may call XXXX XXXX and process a payment using your bank account, debit or credit card. Please note that if you use your credit card, your card issuer might consider this a cash advance transaction and you may be charged a fee for this. 



Western Union Quick Collect Service At no additional charge, take cash to any Western Union agent and request they send the funds via Quick Collect service.

Payable To : XXXX XXXX XXXX  XXXX  Code City and State : XXXX XXXX  Account Number : XXXX Attention to : XXXX XXXX Mail Payment You may also pay by check or money order. Please write the case number on your check or money order, make the Check or money order payable to Western Union Financial Services , Inc., and mail it to : Western Union Financial Services , Inc . 
XXXX, XXXX, OH XXXX If you have any questions or if you feel you have received this communication in error, please reply to this email or call us at XXXX ( Monday through Friday, XXXX XXXX to XXXX XXXX. Mountain time ). 

Sincerely, Western Union Financial Services , Inc . 
Phone Number : XXXX Fax : XXXX Email : XXXX This is an attempt to collect a debt and any information received may use for that purpose.

I am so tired of tired of the harassment and disregard to consumer laws.
Product: Credit reporting or other personal consumer reports

The fraudulent, inaccurate, and misleading information on my consumer report persists despite my many attempts to address it. These false entries have severely impacted my life, causing major stress and anxiety. As an identity theft victim, I never authorized this information to be linked to my name.
Product: Money transfer, virtual currency, or money service

I ordered services from XXXX ( pickup of a package ). The XXXX website malfunctioned and charged me the same fee twice. Then XXXX came back and said there some " additional charges '' with no explanation and without my prior agreement. I disputed the charges with paypal. They stated that there was no unauthorized use because " it was consistent with paypal payment history ''. Seems like no one even looked at it and it's some kind of bot. 



got this email on XX/XX/18 from paypal : An update about your case We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. 



Based on our review, we found this transaction is consistent with your PayPal payment history. 

For more information about these cases, log in to your PayPal account and go to the Resolution Center.
Product: Mortgage

On XXXX XXXX, 2022, I realized that I owed {$1200.00} for XXXX 2022, {$1200.00} for XXXX 2022, and was about to owe {$1200.00} for XXXX 2022. That I would owe over {$3000.00}. I had been told that I was in forebearance and that I only had to pay {$390.00}. Suddenly I was about to be in foreclosure and my forebearance would end on XXXX. I had paid the {$390.00} and most of the time over {$1200.00} a month during this forebearance. I was freaking out and was told the only way to avoid foreclosure was to end my current forebearance and apply for a new forebearance. The agent with SPS new that I had no income coming in and that I would not be approved for any new foreberance. They said that the only difference it would make for me to end my current forebearance and start a new one is that with my current forebearance I only owed {$1200.00} and that if I ended my forebearance early and reapplied I would then owe {$1200.00}. I thought the only difference was {$14.00}. That is how SPS tricked me into ending my forebearance early.
Product: Checking or savings account

When calling chase bank XXXX number their staff are overseas unable to further help customer. Once again, they have failed to conduct the proper investigation and they offset my account on XXXX separate charges that I reported unauthorized. I lost my entire phone wallet near XXXX XXXX, I had no shared no PIN number to my debit card there were no withdrawals but people got away with XXXX separate purchases for {$82.00} and {$50.00} Chase DOES NOT offer Regular checking CUSTOMERS an easy way for us to get in touch through the app or freeze our cards or call in for fraud And yet they wan na make us liable for this. I request that you investigate this how many more customers are suffering their misshandled fraud cases
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX emailed my bill to me in XXXX and I did not know they were not mailing my bill. When I realized it, it was too late. Im XXXX years old and I have never ever had a negative mark on my credit. Ever! I have completely paid XXXX off and I will never use that card again. I have always been diligent about paying my bills on time and I refuse to accept this ONE negative mark in my credit. Look at my history, I have never been late on anything. If you guys cant work with someone with my excellent credit history, why do people like us bother to try and be perfect with our bills?
Product: Credit reporting

I applied for a car loan, there is now a judgement that is all of a sudden appearing on my credit report which does not belong to me the judgement was on my dad 's report clearly I was too young to have a judgement back in 2011. My dad and I have the same first and last name but not middle. I am not clear as to who would be able to place that judgement on my credit report after it 's already been placed under my dads 's name back in 2011. If so I would like to know if I can file a lawsuit for emotional distress to the person that is responsible for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX as Car Dealer has done hard inquiries on my name without my permmission to : XXXX XXXX XXXX on XX/XX/2018 Ally Finance on XX/XX/2018 XXXX XXXX on XX/XX/2018 XXXX   on XX/XX/2018 Other ... 
XXXX XXXX on XX/XX/2018 XXXX XXXX on XX/XX/2018 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tired to fix the Problem with Experian Multiple times I have sent them my police report, copy of my FTC and the still send me some generated letter saying they won't blocked information. Enclosed is the generated letter I received not only are the reporting a fraudulent account on my report but they are also added inaccurate and fraudulent late payments on this fraudulent account for the month of XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX not only are they inaccurate but this is a fraudulent account. I talked to a fraud department to some one named XXXX who wouldn't let me speak to a Superviser and said they didn't care about my police report also said he wouldn't not give me the information to their Headqurters when I asked who he was with he said the XXXX department. The police department does not know what they want when they already issued me a police report. I am providing my Police report, FTC affidavit copy of my dispute and the copy of the generated letter they keep sending me. I have also contacted XXXX XXXX and send them all the documents I was told they account was closed years ago and it has nothing to do with me. I do not know where they Experian is getting this fraudulent information. They are the only credit reporting agency who is knowingly and willingly reporting fraudulent account on my credit file. XXXX  and XXXX  do not have this fraudulent information on my credit report. After trying to resolve this issue on the phone today on a recorded line XXXX from the fraud department told me to file a lawsuit and that will be the only way they would let me speak to the legal department. You can listen to the recorded conversation the call was made XXXX XXXX at XXXX XXXX from the XXXX  fraud department.
Product: Credit card or prepaid card

To Whom It May Concern : I am a victim of identity theft. I have contacted your company directly and through a third party on numerous occasions beginning on or about XX/XX/XXXX through the current date. I have experienced ongoing derogatory impact to my credit and my life as a result of being exposed in the XXXX XXXX data breach. I was reported deceased by creditors and credit bureaus. In addition, I have experienced over seven known occurrences of fraudulent charges to my debit/credit cards which have resulted in re-issued cards and account closures. The information listed below is provided to assist with my identity restoration as a result of the damage I have suffered from identity theft.

I have requested assistance from your company on numerous occasions and you have been notified of my issue. Your company was notified that I am a victim of identity theft and declared deceased. In
my situation your company failed to comply with applicable laws, rules and regulations related to company- wide handling of identity theft victims and deceased customer notification. Your company failed to align me with the appropriate department to address my issue and the subsequent account issues. Your company did not exercise due diligence to protect me as a consumer. 
As an identity theft victim, I contend that my rights were violated under the Fair Credit Reporting Act and the California Credit Reporting Agencies Act. Please block this account and information from my credit report, pursuant to, and send the required notifications to all furnishers of this information pursuant to the : OBLIGATIONS OF FURNISHERS UNDER THE FCRA
Product: Credit reporting

I have several accounts on my credit report which were charged off and a XXXX ( I think it 's called ) was sent to me. I therefore reported this as income, and paid taxes on it. They 're still reporting on my credit report as owing them money. They 're reporting negatively every month. 
Second situation is that I 'm paying on a second mortgage and have been in good standing, which is not reflected on my credit report. My contact at the credit union contacted them with the correct updated information. However, it is still reporting negatively on my credit report.
Product: Credit reporting or other personal consumer reports

Self Inc., has charged me an annual fee ( which is not an issue ), the issue is that they did not notify me of the annual fee in no manner. I double checked my email, app notifcations, and my paper mail and Self has not till date sent me any notifications. Because of this now I have a late payment being reported to the credit bureaus. This annual fee should not be reported as late because I was not notified of the annual fee.
Product: Checking or savings account

My complain is against Chase bank. On XX/XX/XXXX and XX/XX/2023. I noticed my chase bank account was withdrawn without my authorization with {$3900.00} and {$4500.00} using fraudulent checks in person at a Chase branch. It has been more than 3 months and Chase fraud department closed the compromised accounts without providing any explanation or telling me if i will get my money back or not. I called them today XX/XX/2023 XXXX option XXXX, they said call back in XXXX bussiness days, the issue will be escalated by the bank. Chase bank previously told me i did not need to file a police report at this time. I already submitted all the documents the bank asked, I do not understand why they don't review the security cameras and catch this thief. The last time I spoke with Chase, the Supervisor stated Chase bank does not conduct criminal investigation. I remember, i lost XXXX personal check written to my landlord to pay rent at the end of XXXX XXXX at a usps mail box corner of XXXX XXXX and XXXX XXXX XXXX the XXXX XXXX I asked Chase to block this check # XXXX. I believe the thief used that check account number to commit fraud.
Product: Credit reporting or other personal consumer reports

XXXXdbs financial XXXX XXXXXX/XX/XXXX this auto loan account was open in my name with my personal info acct number XXXX i wan thtis account deleted off of my report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( 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 the error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

A " hard '' pull was performed on my individual account by XXXX on XXXX XXXX, XXXX. The address listed for the inquirer is XXXX XXXX XXXX, XXXX, TN XXXX. Phone number : ( XXXX ) XXXX Credit report states that this is from the automotive category. We have not had a auto purchase or inquiry at that time frame.
Product: Bank account or service

To Whom It May Concern : I am filing a complaint against Bank of America ( BOA ). 
I have had both Savings and Checking accounts with Bank of America since XX/XX/XXXX. After making some deposits into my accounts recently ( XX/XX/XXXX ), my accounts and ATM card had been frozen without any justification. When I went to the Bank, they could n't give me any justification or reasons as to why my accounts and ATM got frozen. 

Later, the bank issued a letter dated XX/XX/XXXX stated that they have made the decision to close my accounts and the balance will be mailed to me in a cashier 's check. 
I went back to the bank once again and demanded that I must know the reason as to what prompted the bank to come up with this decision. They would n't tell me anything and handed me a toll free number to contact. 

I called the toll free number ( XXXX ) many times and left several voice mails, but received no calls from the Bank authority. 

I received a cashier 's check with the balance that I had on my saving account dated XX/XX/XXXX. 

Finally, on XX/XX/XXXX, I received another letter from Bank of America stating that they have closed my account and remaining balance ( checking account ) wo n't be returned to me. 

I went back to the bank once again with the letter and asked why my remaining balance ( Checking account balance ) wo n't be returned ; the bank authority insisted that they have no information and asked me to call toll free number ( XXXX ). I obliged and called. Left voice mail once again and as of yet, I have not received any calls from the Bank of America. 

Please note that I had a significant amount in the checking account and as of yet, Bank of America has not returned my money that was left in the checking account. 

Bank of America also treated me as a customer very poorly. 

Attached please find some attachments that will help to determine how Bank of America dealt with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having an issue with XXXX constantly telling me lies, giving me the run around and keep reporting a bankruptcy that I did not provide permission to do so according to the FCRA. 
Also under consumer law 15 U.S.C 1681 a1,2, and 3... .15 U.S.C 1681s-2. I called XXXX to dispute this issue several times,. On XX/XX/XXXX I sent out disputes concerning the bankruptcy to all XXXX credit reporting agencies XXXX XXXX TransUnion and XXXX along with the letter from Pacer and my updated information. Almost 2 months pass I called back they said they closed the investigation but I never recieved any mail for it. I called on XX/XX/XXXX and they reopened the investigation so On XX/XX/2023 a representative told me that that they do get there information from Pacer, even after I sent the actual letter I received from Pacer stating that they don't report to anyone. So I asked XXXX where are you getting your information from in order to legally report it. But they keep closing out my disputes. But never send me any notifications of the dispute results. I'm just fed up with this issue it's hending my credit and causing damages I keep getting denied for things due to them keep reporting it
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a foreclosure that was closed on XX/XX/12 and the account shows a date of last action and closed as of XX/XX/12 but they are reporting new late pays every month.I have tried correcting this issue by contacting them and going to the credit bureaus but have had no success.
Product: Checking or savings account

Card Connect has been consistently debiting funds from my bank account since XX/XX/2022 without my authorization. Each month, they impose varying fees under the guise of being my designated Merchant Processor. They claim that my business engaged with their sales associate, XXXX XXXX XXXX. However, I want to emphatically state that I never consented to any offer from them, nor did I enter into any form of agreement. Shockingly, they somehow gained access to my bank credentials and proceeded to siphon money from my account without providing any invoices or statements. The total extent of their unauthorized charges exceeds {$1500.00}. 

Attempts to resolve this issue with Card Connect have proven futile. Their customer service system is designed to deflect accountability, with all calls being rerouted to XXXX. After enduring hours of fruitless conversation, no satisfactory resolution is reached. 

It is abundantly clear that Card Connect and its associates are engaged in fraudulent practices and must be subject to a thorough investigation. I have no doubt that numerous small businesses have fallen victim to similar deceptive tactics, resulting in significant financial losses. I urge others to steer clear of Card Connect and to promptly report any instances of fraud perpetrated by them.
Product: Credit card

BarclayUS has a cutoff time for XXXX for the mininmum amount due time. In the past 6 months they charged me late fees of {$25.00}, for the simple reason that I might get stuck in traffic. I am paid by my employer daily, I make XXXX an hour and i have no way to make the payment in the morning or before, my money being very tightly budgeted. 
This bank rips me off.
Product: Debt collection

L J ROSS ASSOCIATES IN is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681 ( i ) and 15 USC 1692 ( a ) ( 5 ) there is no debt. This collection is not this consumers account. This assumed debt was charged off after an internal credit in the amount of the loss in order to XXXX out the balances and close the account. The loss balance is then transferred from the XXXX XXXX XXXX to the XXXX XXXX XXXX which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been XXXX   out and the contract has been satisfied. This consumer is only responsible for the XXXX  account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then L J ROSS ASSOCIATES IN has no claim. I hereby irrevocably refuse to consent/contract to L J ROSS ASSOCIATES IN agencies because there is no law required for this consumer to do so. Until L J ROSS ASSOCIATES IN agency can provide a lawful authority by which this consumer is subject to comply with submitting to any debtors collections or jurisdiction in violation of my rights to be free of involuntary servitude. This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) L J ROSS ASSOCIATES IN is hereby warranted to Proof of Claim in Arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, Thank you for your response on XX/XX/2022 addressing my dispute of a credit inquiry I did not authorize on XX/XX/2022 at XXXX XXXX XXXX XXXX. Thank you for revealing your source of how you obtained my credit information. However in accordance with the law. 

15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. Company MUST prove they had your permission!

The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application electronically or physical authorizing the disclosure of credit files with my signature, I will accept the inquiry. 


If a signed authorization electronically or physical can not be found please remove the inquiry from the main credit bureaus XXXX. The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry. 

Best Regards,
Product: Payday loan, title loan, or personal loan

When I got this loan I thought the fee charged was a one time fee. I didnt realize the interest rate was 400 %!!! Ive made 8 payments of {$190.00} ( {$1600.00} total ) on a {$1000.00} loan and still owe over {$700.00}. Ive paid over {$1000.00} interest and less than {$300.00} went to the principal.