23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I C SYSTEM INC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you I C SYSTEM INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : I C SYSTEM INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following accounts and inquiries on my credit report. These entries are the result of fraudulent activity and identity theft. I am invoking my rights under Section 605B of the Fair Credit Reporting Act, which requires the immediate removal of any information resulting from identity theft. 
The accounts in dispute are as follows : XXXX XXXX XXXX - Account Number XXXX o Date Opened : XX/XX/XXXX o Balance : {$1600.00} XXXXXXXX XXXX XXXX XXXXXXXX - Account Number XXXX o Date Opened : XX/XX/XXXX o Balance : {$7200.00} XXXX. XXXX XXXX - Account XXXX XXXX o Date Opened : XX/XX/XXXX o Balance : {$3300.00} XXXX. XXXX - Account XXXX XXXX o Date Opened : XX/XX/XXXX o Balance : {$310.00} The inquiries in dispute are as follows : XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX  Date of XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : Account XXXX Violated my FCRA rights
Product: Credit card or prepaid card

On XXXX, 2023, my Bank of America XXXX BOA ) credit card ending XXXX received payment directly from XXXX XXXX for {$10000.00}. 
On XXXX, 2023, I requested the BOA to transfer the $ XXXX fund from the credit card into my checking account. 
On XX/XX/2023, the BOA sent me a mail on the fund transfer, debited {$9900.00} to my card ending XXXX, while stated to send a cachier 's check that amount to my address on file. So far I've never received that cashier 's check. Later on it is found in XXXX by the BOA Payment Error Inquiring that cashier 's check # XXXX was sent to a totally different address, and cashed out on XX/XX/2023 by a third party 'IngoMoney ' financial institution which is unknown to me. It does not have my account, nor link to my XXXX XXXX account. I have no way to access the refund. 
I made numerous calls from XX/XX/XXXX up to today XXXX XXXX, to the Card Customer service and Fraud department of BOA on this matter. I went to BOA local financial center a few times to discuss the issue and getting helps. I also talked to the Executive_resolution team of BOA attempted to resolve this issue. So far. the BOA made resolution based on error data in my address, BOA used the third party address to send the refund check, declined to correct the error, BOA wanted me to contact the third party and its bank on the refund money! Certainly it was impossible. Only the fund sender BOA can do it. BOA declines to make the refund available for me while charged to my card for {$9900.00}. 
I'm looking forward to getting the issue resolved fairly, i.e. BOA is obligate to recover the refund and send me the refund check of that amount so as to remove the charge to my card.
Product: Debt collection

Commonwealth Financial Systems agreed to settle a {$4000.00} debt for {$2000.00} if I set up automatic debit from my bank account for {$100.00} a month. They also agreed that while in good standing they would remove this negative line from my credit report. After 2 months of paying I called because I never received official notification of the agreement. I asked for an official statement or letter and they said they could n't send XXXX. At that point I said I wanted to stop all payments until an official letter was delivered and they said ok. The next month they took the money out again and I called and said " I am not authorizing you to take money anymore please stop. And they continue to take {$100.00} out of my account every month. I do n't know what to do because they wo n't stop taking the money after I asked them multiple times to stop until the agreement could be official. My bank said they can not stop the automatic withdrawal and Commonwealth Financial Systems will not adhere to my demand to stop taking the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered an open account on my credit report. On the account it states I have an unpaid Wells Fargo credit card/account with a balance of {$6400.00} dated back from 2012. 

I have not opened a Wells Fargo account of credit card in my name. I contacted Wells Fargo customer service, and they confirmed that I have never opened an account. They told me that someone used my name in the east coast of the states in result of identity theft. 

I would like to delete this account off of my credit report as soon as possible. 

Thank you
Product: Credit card or prepaid card

On XXXX XXXX my XXXX  charged my XXXX  twice for {$3200.00} in error. 
I disputed the extra charge and was credited for the dispute {$3200.00} On XX/XX/2022. I was debited again on the same day {$3200.00}. 
I called to get the debit posted in error reversed. 
My Insurance company received a charge back for the XX/XX/XXXX posting. 
To fix this. XXXX credited my account again and returned the second insurance posting. 
My insurance company got another charge back from XXXX. So I still have a balance with my I insurance company. Which I paid by check. 
On my XXXX statement it shows three Debits for XXXX and two credits. 
XXXX says that they only returned one item to my insurance company. 
XXXX posted a debit to my account in error for {$3200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute a correcting my names on all XXXX credit bureaus. I asked them to remove all these aliases off my report because it is damaging and unfair. And has not been fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$800.00} XXXXT XXXX Balance : {$0.00} XXXX XXXX Balance : {$8700.00}
Product: Debt collection

On XX/XX/2023 Navient contacted my mother for my debt collection which is illegal and harassment. The person who left a message is XXXX XXXX and called after XXXX XXXX  The phone number of XXXX XXXX is XXXX.
Product: Checking or savings account

On XXXX XXXX, XXXX My sister and myself went in a XXXX store located on so that I could pay for a phone ( unlock ) I was using on her account. I payed XXXX to have the phone unlocked, so a day after the transaction I got an email that said the phone could not be unlocked. Again I summited to have the phone unlocked and again I was denied. So I called XXXX directly and I was told they was not going to unlock the phone until my sister 's account return to a zero balance. So asked for a refund of my money and XXXX told me that, they was going to take my money I used to unlock the and apply it to my sister 's account. Under no circumstance was I going to get my my money back. The same day I called Bank of America to have them retrive my money. BoA put a credit on my account while they work on my claim.The following month on XXXX XXXX, XXXX, I payed XXXX ( XXXX ) again to unlock my phone because my sister 's account was at XXXX. Unknown to me BoA has not resolved my dispute and now they want their credit to my account back.And the first response from BoA was that XXXX has giving them proff of services rendered, but phone was still not unlocked. So I 've given BoA the emails that show that XXXX did not unlock my phone when I payed them the first time in XXXX. Now BoA is telling me that they can not get my money back from XXXX myself.
Product: Checking or savings account

On XX/XX/XXXX Citizens Bank credited {$1500.00} to my checking account from my XXXX XXXX credit account. I did not authorize this credit and had not filed a complaint with Citizens Bank which would have triggered this type of transaction. I called XXXX XXXX to see why this had happened, they told me that the transaction was initiated by Citizens Banks, so I called Citizens Bank where I was told that I had initiated the complaint which triggered the credit at a local branch in XXXX, VT. I went to the local branch the next Monday to confirm that the complaint had been made from them, since I did not remember making this complaint. The bank tellers at this location let me know that they did not file a complaint on behalf of my account and they could not have done so with out my permission. I called Citizens Bank customer service again where I complained about a transaction being made to my account without my authorizations. I received a call from someone named XXXX from the the office of the chairman, XXXX, he told me that he would look into this, but told me that the complaint that I had submitted was actually done by telephone and not through the branch. I asked him to locate the call and to see if I had in fact made a complaint. XXXX told me he would get back to me by XX/XX/XXXX. XX/XX/XXXX I emailed him to ask why he hadn't followed up. He still did not call me back. On XX/XX/XXXX I received a document from Citizens Bank in the mail with the title " Written Authorization of Unauthorized Debit. '' The intent of the letter which, I have attached, was actually to get me to sign a document saying that I had filed a complaint which triggered Citizens Bank to credit my account {$1500.00} on XX/XX/XXXX. I emailed XXXX immediately to ask what this was about. XXXX called me back to let me know that the case had been closed and that it was determined I had filed a complaint. I asked if he found the phone conversation where I did make the complaint. He informed me that he didn't and that there was no record of my call. I asked him to go and find the call and find evidence that I had in fact made a complaint. He told me he would get back to me on Friday XX/XX/XXXX. XXXX still has yet to get back to me despite multiple efforts on my part to get in touch with him I am complaining because Citizens Bank filed a complaint on my behalf, authorized the credit of {$1500.00} into my account which caused late fee and interest fees from XXXX XXXX, all of this without my permission. They later tried to get me to retroactively sign a complaint form to cover for their own mistake, and now are not communicating with me at all to fix the issue.
Product: Credit card or prepaid card

I have been a Discover Card holder since XXXX. I have never had ANY problems with my account. I was never delinquent, never late, never had big spending, not a single red flag. Three days ago, as usual, I tried to log into my Discover Card online account in order to make a payment ( to avoid being late on my payment, I mailed out a check by snail mail ). Suddenly, a window popped up saying that due to some concerns with my account, my access was blocked and I needed to call the toll free number on the screen. I called that number, and I was told that Discover allegedly sent out a letter in the mail requesting that I verify my address. I assured them that I never received anything like that in the mail. Then another representative got on the phone and corrected that I should have received an email. At that time I checked my emails again and didn't find anything. So I requested that they re-send me that. When I received the 2nd email, I realized that Discover is asking me to sign the IRS Tax for 4506T to obtain my tax return transcripts for the years XXXX   and XXXX. and if I did not comply, they would close my account  on XX/XX/XXXX. This came as a shock to me. I called Discover again and demanded an explanation as to the fact that there are many other ways to verify a person 's address, why do it via taxes. I asked the rep. if this very clause is found in my card terms and conditions, to which he responded, that he wasn't sure about that, just that they are allowed to verify person 's information by whichever means they deem necessary. I requested that Discover sent me my Card Agreement Terms and Conditions again since I did not keep the one from XXXX. I wondered why they needed my XXXX and XXXX returns? This is an odd request, unrelated to anything, and a breach of a person 's privacy. The representative tried to explain that IRS keeps the most up to date address. I told the rep. what more proof of address would there be if I receive my paper billing statements in my address and I never missed a payment, and I never did anything to trigger such inquiry into my private tax returns, I did not apply for new account, I didn't request to increase my credit limit, I didn't have large purchases, I didn't have anything but to pay my remaining balance, and always more than the minimum payment. I told the rep. that I did not feel comfortable sharing  my private tax information with Discover or any other credit card, and I was not willing to authorize Discover to request my private tax returns for XXXX just to verify my address. To make matters worse, Discover uses XXXX  to run that inquiry ( after all what we went through with XXXX  data breach ). Taxes happen to be a very confidential information to share with a any credit card company for a good credit standing that I maintained with Discover since XXXX. And it is my right to refuse it. However, they threaten to close my account, which will impact my credit rating. I called an attorney to discuss this matter, and the attorney was equally surprised by this unusual request. I intend to hire an attorney for this illegal and unfair business practices by Discover.
Product: Money transfer, virtual currency, or money service

I was a victim of a crypto scam, a friend of mine was hacked. They sent me a website link to an investment company, I clicked the link, and little did I know that the link that was sent to me allowed the sender access to your account and any personal information which is how my friend was scammed. I woke up to a total of {$2000.00} gone from my accounts and transferred via bitcoin through cash app, I realized i'd been hacked and scammed. I reached out to cash app to dispute the transactions, and they blamed me for my losses and refused to investigate. So I disputed the fraudulent transactions with my bank. My bank investigated and provided a provisional credit of {$1700.00}. Because {$300.00} was already inside of my Cash app account from peer-to-peer transactions. I never received that {$300.00} back. A few weeks after this Cash app charged me {$500.00} without warning, notice or explanation. I reached out to cash app support to find out why and they refused to tell me anything besides " Because you disputed {$500.00} worth of transactions with your bank the Add Cash transactions were reversed and the funds were removed from your ( cash app ) account. You need to reach out to your bank for further details about this case. '' Cash App is now charging me, through my cash app account for the funds that my bank rightfully returned to me for fraudulent transactions. And it is very possible that they will attempt to recoup all of the provisional credits my bank provided to me. Cash App refuses to provide details as to why they charged me for the provisional credit my bank provided to me nor provide further assistance with recouping the funds that were fraudulently stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly this morning for over an hour ( XXXX ) trying to access my TransUnion account to report incorrect and missing information. 

It stated I already 'have an account ' and, to create a new account. I tried several times to do this. 

I have a PIN # ; and, recently had a 'freeze lift ' which has expired. 

If time has elapsed since accessing TransUnion for any service, etc., and, they require 'new ' passwords, etc., then they should contact the user ( me ) and allow me to 'reset ' same on-line and then not allow this OR not create a new on-line account?? 

This company has a very difficult platform to contact via email and, extremely long wait times for telephone contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, XXXX, XX/XX/2021, XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Product: Vehicle loan or lease

1026.1 Authority, purpose, coverage, organization, enforcement, and liability.

a ) Authority. This part, known as Regulation Z, is issued by the Bureau of Consumer Financial Protection to implement the Federal Truth in Lending Act, which is contained in title I of the Consumer Credit Protection Act, as amended ( 15 U.S.C. 1601 et seq. ). This part also implements title XII, section 1204 of the Competitive Equality Banking Act of 1987 ( Pub. L. 100-86, 101 Stat. 552 ). Furthermore, this part implements certain provisions of the Real Estate Settlement Procedures Act of 1974, as amended ( 12 U.S.C. 2601 et seq. ). In addition, this part implements certain provisions of the Financial Institutions Reform, Recovery, and Enforcement Act, as amended ( 12 U.S.C. 3331 et seq. ). The Bureau 's information-collection requirements contained in this part have been approved by the Office of Management and Budget ( OMB ) under the provisions of 44 U.S.C. 3501 et seq. and have been assigned OMB No. 3170-0015 ( Truth in Lending ).

( b ) Purpose. The purpose of this part is to promote the informed use of consumer credit by requiring disclosures about its terms and cost, to ensure that consumers are provided with greater and more timely information on the nature and costs of the residential real estate settlement process, and to effect certain changes in the settlement process for residential real estate that will result in more effective advance disclosure to home buyers and sellers of settlement costs. The regulation also includes substantive protections. It gives consumers the right to cancel certain credit transactions that involve a lien on a consumer 's principal dwelling, regulates certain credit card practices, and provides a means for fair and timely resolution of credit billing disputes. The regulation does not generally govern charges for consumer credit, except that several provisions in subpart G set forth special rules addressing certain charges applicable to credit card accounts under an open-end ( not home-secured ) consumer credit plan. The regulation requires a maximum interest rate to be stated in variable-rate contracts secured by the consumer 's dwelling. It also imposes limitations on home-equity plans that are subject to the requirements of XXXX and mortgages that are subject to the requirements of XXXX. The regulation prohibits certain acts or practices in connection with credit secured by a dwelling in XXXX, and credit secured by a consumer 's principal dwelling in XXXX. The regulation also regulates certain practices of creditors who extend private education loans as defined in XXXX ( b ) ( XXXX ). In addition, it imposes certain limitations on increases in costs for mortgage transactions subject to XXXX ( XXXX ) and ( f ).
Product: Checking or savings account

Netspend Credit card and saving account. I am the executor of the account. Since XX/XX/22, Customer service told me to file paperwork which I did. Reply by XXXX says will respond in 6 hours - no response. Multiple calls to Customer service yielded requests for different documents each time. Sent docs as requested - same no response. Customer service refused to transfer me to responsible department, and left me on hold waiting for a supervisor only to be hung up on after 45 or more minutes. It has been months since original call and company has consistently given me no response.