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

I am writing to dispute a charge of {$2500.00} to my account on XX/XX/XXXX. The charge is in error because of fraudulent / spam activity on my social media accounts, and anything related to my phone number and or email address. On XX/XX/XXXX, I received a link from what I thought was my friend XXXX. She was acting like she was advertising a link. I clicked on the link, and added my phone number and email address without thinking that it was harmless. Later that evening, I received a notification that someone was trying to access my accounts, in particular my XXXX account around XXXX that was someone from XXXX IL. Then followed by an apple request prompting my access code. It was then I realized to check all my accounts that had my email address and phone number associated. By the time I realized it, half of all my accounts that did not have a two-code authorization code were hacked. 
It was then when I called CitiBank and reported the suspicious activity and not authorized charges on my account. I was only able to capture the screenshot of when XXXX notified me it was a user that was not trying to access my account, and I also have the email of apple notifying me that someone was trying to log into my account. I only have two screenshots of facts that I have that confirm these logins were NOT ME! 


my understanding is that XXXX security experts say federal law does protect victims of this type of scam. These kinds of fraudulent transactions are covered by Regulation XXXX, and consumers should be getting refunds!!! The Consumer Financial Protection Bureau put out a directive in XX/XX/XXXX, saying the law applies " if a third party fraudulently induces a consumer into sharing account access information. '' Banks should be using fraud filters on XXXX transactions to stop scams -- as they do with credit cards. 

On XXXX, XXXX, CitiBank did refund me for the fund, later on took back the money and stated they changed their minds, that they couldn't insure my money because the funds were used through XXXX and that there's nothing they can do I had continued depositing money as I kept submitting for new request to have the funds refunded back. 
Now my account has been closed because my account was negative due to this awful inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX is charged off, what Im not understanding is, why is there a balance still on this account if the creditor wrote off the account and sold it to a collection company, also this account has a past due balance on it, the IRS gave the creditor the tax credit for this debt once the creditor wrote it off in their books, this is illegal, that this creditor still wants to collect the money on this charged off account even after the IRS has given them a tax credit. This is a Violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote alot and it got erased please call me so I can explain. Omg I can't believe this. 
Has to do with XXXX XXXX XXXXalot of info need to be reported. Financial advisor got fired for money laundering and someone else got money back father was a cop. I reported to school I reported to credit bureau and they basically said it wasn't their problem no investigation. I now have proof and need to talk to someone to much o write. 
XXXX  XXXX  account fraud and somehow turned into credit card Dept on card that had been closed way before fraud happened on account that I reported and didn't get money back that was used fraudulently and was made to owe. Can't open bank account and messed up credit. 

I was on a XXXX XXXX  account. I took my name off because other people where making account negative. Somehow later when I tried to get a bank account I found out my social security number was left on there. So I had to fix before I could get an account. Credit was messed up from this issue I'm sure too. 
Credit report shows alot of things I don't agree with I have disputed some a while back and was just blown off. No investigation was done with any of them I don't believe.
Product: Money transfer, virtual currency, or money service

I had a negative balance in my Chimne account. I received a notification last week stating that I had received funds from a person named " XXXX XXXX '' in the amount of {$200.00}. I immediately contacted Chime member services and informed them of the transfer, explaining that I did not know the person who sent me the money, nor did I request or accept any transfer. Chime informed me that there is nothing they can do, essentially telling me that I must accept this money and that it can not be removed from my account. I take issue with the fact that Chime has accepted this money on my behalf, removing my ability to accept or decline the transfer. They have taken away my liberty to make this decision. I did not sign this right away, nor did I give them authorization to make this type of decision on my behalf without consulting me.
Product: Checking or savings account

I am a paypal account holder. In XXXX of this year ( XXXX  ) there were a string of unauthorized charges made on paypal acounnt. When I saw the charges on my account I promptly reported them and have been working with paypal to resolve the issue since late XXXX. I had continued using my paypal account since then without issue. On XX/XX/XXXX paypal gave me provisional dispute credits for some of the disputed charges. I used my paypal account with no problem. Later on when I logged back into paypal I was informed that my account was " permanently restricted '', im not able to make any transactions using my paypal. I canot close my account or access the funds in my account for 180 ds days. I contacted paypal support and asked why my account had been " restricted '' I was told that they didn't know why, that someone in the back of the house made the decision and theres no way for me to contact this person or find out why the restrictions were placed on my account. I then asked if there was any way to get the remaining funds from my account and was told they were holding my money for 180days. I then asked to have my account closed and the balance of my account be sent to me. I was then told that I was unable to close an account with restrictions on it. So paypal has decided that they are gon na without explaination take my money and refuse to give me access to it for 6months. I don't belive that is right or legal. I want to either be able to access my funds through paypal immediately or want my account closed and the balance of my account sent to my adress immediatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Opened XX/XX/2018 for the amount of XXXX I wanted to pay this off and have it removed from my credit report. They refused. I have not had this problem with 1 other company I asked to do this.I am trying to buy a house
Product: Student loan

I am writing bc I graduated in XX/XX/2005 with combined Federal and Private loans thru XXXX totaling around XXXX XXXX Upon starting payments they wanted me topay around {$1000.00}. a month at which the time I could not afford. We went back and forth and they said there was nothing they could do for me so they kept issuing forebearance. Finally they gave me a plan in which I could afford where they explained it would be interest only payments for so long then it would start going towards the principal. Well I have been making payments at first around XXXX and now they 've been around XXXX $ a month for the past XXXX years but I have been paying consistently since I 've graduated in XX/XX/2005. My grand total is now {$100000.00}. that I owe!! I called to see how I am ever supposed to get my total down if theyre charging me interest upon interest at the back end of the loan. Their answer was start doubling up on your payments. But at this point if theyre charging me interest on the back end no monies are going toward anything. I will be retiring owing more than I graduated in XX/XX/2005 owing. Something does not seem right. Please help.
Product: Checking or savings account

They always tell me no when I want to try to opening and account
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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 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. 

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.
Product: Credit card or prepaid card

Today, XX/XX/XXXX I tried to transfer XXXX American Express Membership Rewards points to Flying Blue, an official partner of American Express. This transfer would not go through and I received a fraud protection alert email from American Express. When I contacted American Express, as they requested in the email, I was told the transfer was " flagged '' and that my account was frozen. I was told that I would have to wait 6 to 8 weeks for my account freeze to be resolved and that there was not a person that I could speak with from that " department ''. That is unacceptable. 

I have 4 different American Express Gold business accounts and I personal American Express account. I have been an American Express customer since XX/XX/XXXX. I have over XXXX membership rewards points and I'm trying to use XXXX of them. Less than 10 %. I'm finally trying to use the awards points I've accumulated over the last 5 years to take my family to XXXX. My flights are on hold but XXXX XXXX won't hold them 6 to 8 weeks. 

American Express representatives ( I spoke with 3 ) claim there is no fraud department I can talk to about this issue. I offered to provide proof the points are transferring to my account but they claim there is no one to speak with. 

I feel that this is a dishonest business practice. You can't offer rewards points to your customers and then block them from using the points with an approved American Express partner.
Product: Debt collection

I received a message from a collection agency called Rent Recovery Solutions for unpaid rent in a property that I moved out of on XX/XX/16. As a result, the creditor, XXXX XXXX billed me for an additional month, per my lease I should of been billed through my move out date. I have an email thread from XXXX XXXX that solidifies my claim as well as a receipt from my moving company. My property manager was XXXX XXXX. The amount that is appearing on my credit is {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX for XXXX, XXXX for Equifax, and XXXX for XXXX is an account I never made and do not recognize, the account is fraud and should not be on my report at all, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. The XXXX inquiry was also not performed by me or my permission, this should also be removed from my credit report because this is fraud. 

There is also multiple inquires from " XXXX '', " XXXX XXXX  '', and " XXXX XXXX  '' which I do not recognize, The inquires that are fraud on XXXX are " XXXX  '', The inquires that are fraud on Equifax are XXXX XXXX ', The inquires that are fraud on XXXX are XXXX XXXX ', The second " XXXX ' inquiry, " XXXX XXXX  XXXX and " XXXX XXXX  ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX I have been disputing with the bureaus and data furnisher for over 6 months with no response on this inaccurate account on my report. BY LAW They have 60 days to respond. FCRA violation. 

I do not think this company is real and every letter I send to them certified gets returned. How are they validating with you???? Please delete this account from my credit report. 

I have attached proof that every letter I sent has been returned. 
The address I retrieved for the data furnisher I got from my credit report and the " companies '' website and both letters have been returned. 

SEE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$27000.00}, {$0.00}, {$4300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account.
Product: Mortgage

I have a mortgage loan with Greentree ( XXXX ). They sent me a letter last year and again this year in regards to cancelling the PMI. The letter says it can be cancelled after the mortgage reaches 75 % of appraised value and further states that appraised value is what was origannlly valued at. 
They say in a letter last year that they want me to pay for an appraisal first. This does not make any sense.
Product: Debt collection

I HAVE TRIED NUMEROUS TIME TO DISPUTE THE VALIDITY OF THIS DEBT PER : Title IV of the Consumer Credit Protection Act. Section 401.
Product: Mortgage

A wire was sent to PHH Mortgage to pay off my on XX/XX/20. It did not show up right away so I called PHH Mortgage and was told to wait. The only thing they offered to do was to send an email to their cashering department because they were not allowed to call them directly. I was told it would day up to 48 hrs for a response. I called back almost everyday for the next week and a half and was just told to keep waiting. It was not until XX/XX/20 that I was told the wire had insufficient information and was sent back. I feel this is a deceptive practice to stall the response time of a department so that they could collect more daily interest. I was told the wire would be dated to the date it was sent on XX/XX/20 but it was posted on XX/XX/20 causing me to owe over {$500.00} in interest that should not have been charged. 

I again spoke with several PHH Mortgage agents and the only thing they said they could do would be to contact their " cashiering department. '' I was again told up to 48 hrs for a response but it took a week and a half. Contacting departments should not take that long, especially when wires are involved.
Product: Credit reporting or other personal consumer reports

This agency violates 15 USC 1692g. They were to notify me of this in writing 5 days prior, but I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 

Therefore, the following accounts must be deleted from my report immediately : *List of accounts to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX The reporting of these accounts ) is/are violations of 15 USC {$1600.00}, and the Fair Credit Report Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : This makes your social security card, driver 's license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " " Does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

The term " credit card '' means any card, plate, coupon book, or other credit device existing to obtain money, property, labor, or services on credit. for the extension of credit.

I demand these accounts be Deleted from my credit report Immediately.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Product: Debt collection

There is a collection agency that retaliated against me because I keep disputing a collection account with the wrong amount. I sent the original documents into the credit bureaus, as well as the creditors, but they refuse to accept my documents and now the collection agency put a hard inquiries on my report in retaliation. I contacted the collection agency and the lady said she hit my credit because " you people don't pay your bills ''. I asked the credit bureaus to verify the amount and they keep reporting it as accurate. The actual creditors of the collection account has it reported as paid on my credit report but they refuse to remove it or update the amount. I have the original signed documents, and the collection agency only has a unsigned copy. The management company of the apartment says I don't owe anything so I'm not sure why this agency is still trying to collect on a debt I don't own, and insist on hitting my credit Everytime I dispute the collection account.
Product: Credit card

Chime https : //www.chime.com/ Someone or the company itself opened a credit card under my name and email address as well as my cell phone number. I tried using their contact information to ask them to close it, but it was automated and was requesting the last four digits of my social security card. I did not put that information in and anything else I tried would not let me speak to an actual person. So I got no where with that and they do not have any available emails or addresses on their site either. 

I just recieved an email saying that they are sending me a credit card in the mail ( to my actual home address ) and that a virtual credit card is available to use. I do not have any account information or access so I am concerned someone will use this card to create significant debt in my name. 

I need this fraudulent situation ended, I have no interest in Chime in any way. I will be destroying any cards they send me.
Product: Mortgage

I have a mortgage with Select Portfolio Serving, SPS. Several problems with SPS. SPS did not reflect my payments made. When I was on unemployment I requested a modification. SPS was not reflecting my payments on my credit reports, SPS made several credit inquiries both of which reduced my credit scores. I made several phone calls to SPS with no answer to my modification and payments. SPS started a foreclosure on my property and did not notify me properly. Notices of the pending foreclosure were posted on a back gate where no one would see them. I enlisted the services of an attorney to help me with the issues. My attorney phoned and sent many messages to SPS. The attorney for SPS said by law SPS had to respond to our inquiries. No response was made. SPS considers standard cookie cut letters to be communication. No response to numerous attempts of communication by me, or my attorney or even their own attorney. With the advise of my attorney I filed for Chapter XXXX to force SPS to communicate. This caused further damage to my credit score. The chapter XXXX was filed with {$0.00} and dismissed within a couple weeks. Since then SPS has still not responded to direct communication. 

I completely believe SPS decided to foreclose because the property was worth more than the mortgage and they were taking advanage of their power.

SPS completely ruined my credit scores by their direct and malicious actions.
Product: Credit reporting or other personal consumer reports

The account is closed and was scheduled to be removed from the report a year ago
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.

1

5 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 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.

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.
Product: Vehicle loan or lease

BMW auto was totaled in XX/XX/2014 due to an accident. My insurance paid my loan in full in XX/XX/XXXX. BMW has been reported for 5 years that I was 30 days late and that it was in collections and part of a bankruptcy. I have attempted to resolve directly with bmw and credit bureaus with no result. I believe they are purposely doing this do I will have to pay more with following contracts.