23daVinci/CFPB_Complaints huggingface dataset:
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 the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY ORDERED COPIES OF MY CREDIT REPORTS AND DISCOVERED NUMEROUS ACCOUNT INQURIES THAT DID NOT BELONG TO ME, WHICH MEANS I AM NOT THE ONE WHO OPENED OR AUTHORIZED ANYONE ELSE TO OPEN THESE ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT. 

CREDITOR INQURIES DATE OF XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX XXXX XXXX Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my TransUnion credit report by XXXX XXXX XXXX XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), XXXX  is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and XXXX  is obligated to investigate and correct or delete unverifiable data. 

Actions Requested : Proof of Licensing : Provide verifiable proof that Credit Collections is licensed to collect debts in California.

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction.

I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office.

Thank you for your prompt attention to this matter. If additional information is needed, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response in my complaint # XXXX, XXXX, XXXX and Im the one who submitted a complaint on XX/XX/XXXX. These items XXXX XXXX XXXX  ( Original Creditor : XXXX ) and XXXX  Date of Inquiry XX/XX/XXXX is reporting on my personal credit file with XXXX, XXXX, Experian ( Credit Reporting Agencies ). These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to notify you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX : {$440.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} 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: Prepaid card

I picked the Amex gift card because Amex marketing stated they can be used anywhere that accepts Amex. I have not been able to use these at any retailers- including, XXXX, XXXX, XXXX, school tuition, XXXX. the Amex website states I should be able to add to my apple wallet and i can not. I have 11 gift cards in the amount of {$500.00}.
Product: Mortgage

I   was in a Chapter  XXXX . Discharged i n   XXXX   XXXX  . In    XXXX   XXXX    XXXX  , I found out Ocwen was not assigning my mortgage payments to proper account, they put my payments into suspense balance. From  XXXX  through  XXXX  they listed my payments as delinquent and subsequently started the Foreclosure process against me. They charged attorney fees against the account. I found this out in  XXXX . They corrected the payments in  XXXX   but not go back and crediting those payments for dates actually received, thus excess interest is charged. Now I am out of the Chapter   XXXX   and their records show I am still part of a bankruptcy. They are holding a large balance in the suspense balance account to this date. They are also not reporting payments to the Credit  Agencies.
They have consistently miss managed my escrows and payments throughout my Chapter   XXXX    process. Saying I was short in Escrows  then last year sending me a check for excesses in the account. Their entire accounting practices seem wrong and inaccurate.
Product: Checking or savings account

I woke up early morning at XXXX XXXX on the XXXX of this month to an email from Chime notifying me that my bank accounts ( savings and checking ) had been closed, the email stated no reason why but noted that I would be mailed a check once the balances on my accounts settled, I had no open balances so I also should be receiving my savings in full back. 

I also was due to get paid on XXXX the XXXX and called my job on the XXXX to notify them immediately to which they said that my check for Wed had already been deposited meaning Chime has that as well and accepted a check into a CLOSED account. I own XXXX dogs and care for my grandmother with XXXX and now the XXXX of us are starving and have no food in my home because my bills and meals depend on my weekly checks.
Product: Checking or savings account

I woke up to an email that said there is a new login to your chime account and one that said the direct deposit form was attached. I don't have a chime account. I tried to log in and change my password but the phone number was not mine. 

I called the company and after speaking to multiple people, they said that their emails only come from XXXX email address. It was not the one that was listed on my emails. The emails themselves were verified legitimate by XXXX and had links that went to the chime website. 

XXXX more emails came to me. One said that a debit card was being sent to a previous address of mine. The other said there was only one step left for XXXX XXXX XXXX card. 

The company refused to look into it. Every email came from the chime.com domain.
Product: Credit reporting or other personal consumer reports

I received a copy of my most recent credit report and there are inquires from several XXXX XXXX XXXX XXXX. I did not initiate, request and/or conduct any business with this company
Product: Checking or savings account

Hi, I got emails from XXXX bank of America XXXX with subject lines " verify your email address '', " online application is in progress '', " your application was approved '', " welcome to online and mobile banking ''. I did not create an account. It appears someone else did using my email address and name. 

I called the bank of America customer service line. The automated menu was ridiculous, given I'm not a customer. After 15 min of haggling with the automated dumb-bot I was put through to a human, who heard my story and immediately just stated that account has been deleted. He was unable to give me a reference number that the phone call happened or send an email from bank of America that this new account was deleted. And he tells me that they have had a " volley of deposit accounts '' created under real people 's names, as if that is supposed to reassure me. 

Not being handled well at all. They could not tell me how this happened, is my social compromised, anything. 

Please address with the institution. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 1. Account Name : XXXX XXXX Account NumberXXXX 2.Account Name : XXXX XXXX Account NumberXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Checking or savings account

XX/XX/23 I was fraudulently charged {$9.00} for international transaction fee three times and {$300.00} sent through XXXX XXXX. I had received a text from what looked like USPS about package delivery fee. I had another package delayed that made it seem legit. I tried a few times to use the card to pay, but it never seemed to go through. I have no confirmation that it was ever successful. After third try, I went to USPS site to verify the page. It was similar, but not exact. That is when I became aware of possible fraud. Still, without confirmation of any kind, I went on thinking I was spared. Then I found the transactions on my Wells Fargo account. I reported immediately to Wells Fargo and have now received a denial stating these were authorized payments. How do I get my money back. There is no way to contact XXXX  since I do not have an account since Ive never intentionally used that service. Help?
Product: Bank account or service

I used Bank of America XXXX to pay an individual on XXXX/XXXX/2016. The online system said that the XXXX should receive the check 2 days after my electronic instruction ( receipt by XXXX on XXXX/XXXX/2016 ). Since it was for payment to an individual, a paper check was sent in the mail by the bank. I got a call today XXXX/XXXX/2016 from the XXXX wondering the whereabouts of his money. I told him that I presumed that he got my check and cashed it since my account was debited the {$200.00} owed on XXXX/XXXX/2016. After some searching by the XXXX, the check was located today at XXXX 's company. He will deposit the check today. However, I question why my account was debited in advance of presentment and payment of this hard copy check. So, I called Bank of America to find out why. They told me that when I send money to large institutions like mortgage companies or utilities, they usually accept wire transfer payments so if the instruction is sent today, they receive their money as a wire transfer tomorrow. For hard copy checks that are sent by the bank, the amount is debited from the XXXX 's account on the day that the XXXX system estimated that the XXXX would receive the check. Had I written out a check myself and put it in the mail, my account would only be debited at presentment and payment of the check. I asked B of A if the Payee had died in the interim, would my account have been permanently debited the {$200.00} and B of A would have been {$200.00} richer. They informed me that if the check was not cashed within 90 days, they would refund those funds to my account. Well, it appears to me that the bank is using my money for up to 90 days for free while I do n't have access to that money for up to 90 days. I would also question whether the bank 's system is smart enough to ensure that after 90 days my uncashed check would be credited back to my account. It was at that time that I expressed my dissatisfaction with their internal policies and that the process was unfair and heavily weighted toward the bank 's advantage. It is at that point in the conversation that they offered a solution -- which was to treat my outgoing hard copy checks as " draft only '' checks ( I would presumably have to know enough to ask for and receive this preferred treatment of my funds ). They assured me that these " draft only '' checks would not be debited unless and until the check was presented for payment and paid. 
So here is my question : Is this a legal practice in which banks may choose to engage? Because it seems to me that this is just another way to manage the " float '' at the general public 's expense. Instead, the banks treat these funds as if they were already theirs. Can you please enlighten me on the legality of this practice? Thanks in advance. 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX cell
Product: Debt collection

XXXX is wrongfully charging me {$590.00} for 2 year agreement I NEVER made with them because of I requested additional boxes from them. If I would have known this I would have never got the additional equipment. I have had problems with their equipment for over 2 years and after the last XXXX Rep having me go up & down my stairs to reset their Box over 7 times & still didn't fix the problem. According to their logs they fixed the problem but they never did fix anything so I XXXX their service after over 2 years trying to fix their equipment and XXXX is charging me an early termination fee. I have written to them 3 times to resolve this issue but they just slapped me with a bad mark on my credit reports which shouldn't be there in the 1st place.I was a XXXX customer for over 15 years & the last 2 years they went downhill fast but I repeat I never made that 2 year agreement but XXXX is penalizing me for something I NEVER agreed to. Now they are hiring this RPM Company to collect without any response to my dispute with them. Let them take me to Court in this regards because after 15 years being a loyal customer there is one less.
Product: Mortgage

Shellpoint Mortgage Servicing overcharges me every year on my annual escrow account statement. This year they are double charging me {$3300.00} for my insurance. This is making my escrow account go negative and they are increasing my mortgage {$400.00} a month. I have to call them every year to get something fixed. I have called twice this year and they still have not fixed it.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXXXXXX Balance Owed : {$230.00}
Product: Mortgage

Midland mortgage acquired my loan via XXXX which has exited the mortgage business. During the transfer my modification which was approved was ignored by Midland mortgage and Midland mortgage started their own modification and reported me late 180 days until they approved my modification. Also I have asked for my bureau report to be corrected as they continued to report me late and yet denied. I paid on the last day of XX/XX/2019 and Midland still reported me late because per Midland I was 5 minutes late paying. I paid XXXX in my time zone yet it was late in regards to their time zone
Product: Debt collection

I have received 2 phone calls with vague voice messages left from First Point attempting to collect a debt that I am unaware of. The first call was made on XX/XX/year> at XXXX ( just after XXXX  ). The second call and voicemail were made on XX/XX/XXXX at XXXX ( just after XXXX  ). Neither voicemail identifies the amount owed or what the debt is for. I have not answered or responded and have marked the calls as spam.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$670.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXX Balance : {$440.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Money transfer, virtual currency, or money service

you and your account. 
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 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

I am in receipt of your companys letter informing me youre handling the collection of the account mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( LOCKHART, MORRIS & MONT } and me which makes you a person entitled to enforce a commercial claim against me. This letter is NOT a request for verification or validation.

This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certifications can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.

Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( XXXX XXXX ) AND ( LOCKHART, MORRIS & MONT ), are NOT entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and Federal Trade Commission, and file a police report against you for harassment and invasion of privacy. 
You have 30 days to provide strict proof of contract. In the event you cant provide strict proof of contract, YOU MUST CEASE AND DESIST ANY AND ALL COLLECTION EFFORTS AND IMMEDIATLEY REMOVE ANY DEROGATORY INFORMATION REPORTED TO THE CONSUMER REPORTING AGENCIES. If you transfer this account to any attorney without providing proof of contract, They will be immediately reported to the state bar association and professional liability fund for code of ethics violations.
Product: Credit card

On XX/XX/XXXX I paid {$200.00} towards my credit card account with my debit card. The company made those funds available right away since they were verified funds. I used my card, and on XX/XX/XXXX I paid my entire balance off with a debit card again. Instead of this showing my account paid off for my XXXX statement. They froze my account. The reasoning provided was because I made a large payment, and it was not verified funds ( though I was told previously and on their website that debit card payments are verified, hence the reason they provide access to the funds immediately ). When I inquired about what needed to be provided, they simply told me that they required a statement showing the payments posted. I faxed those and called back to get my account unfrozen and was then told that would not be sufficient as they wanted my debit card information shown on the statement along with evidence that the account is mine. Well, there is not a bank statement in the world that is going give your debit card information. There was no way to verify it was my debit card. I then asked if the freeze would just fall off like it would with a checking out since they did not accept my proof, and the representative informed me that it would not fall off and my account would remain frozen until I provided a bank statement that showed me as the owner and my debit card number. The representative then closed the account because there would never be a way for me to show that and the card would not be able to be used moving forward.
Product: Checking or savings account

I received a debit cash app card in my name and I never applied for it. I tried calling the number on the back of the card and he said he had to send me an email that lists all of the details on the card. I told him I would not give him this information and that I was reporting it to you guys and he said well there is nothing I can do to help you close the card then. Below is the email I received from him. 
Hi, Thank you for letting us know you received a Cash App Card that you did not order.

In order to disable the card, we need the following : 1. Your Full Legal Name ( first and last ) 2. The name listed on the Cash App Card you received 3. Has anyone previously lived at this address?

4. Please use this link to securely share the front and back images of the card : https : XXXX. 

We will use this information to disable it.