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

On XX/XX/year> I opened Claim ID # XXXX, Which was opened for Transfers that I did not conduct XXXX XXXX XXXX a closed XXXX  XXXX XXXX Account XXXX I did not register online and my account was taken over by an identity fraudster at BMO Financial. They registered the account online and conducted transfers. My Identity was stolen, and the fraud was conducted. BMO Reopened the case and assigned the case to a manager as I provided them with a Police Report, and Identity Theft Affidavit. My account was closed at the time, Because I did not receive my statement until XX/XX/XXXX for XXXX. I did not receive any other statements. BMO should send me my statement from The beginning to the end for savings and checking account. BMO Issued me a check for Claim # XXXX, and XXXX. The Claim was resolved on XX/XX/year> and a Cashiers Check was mailed out on XX/XX/year> from the Claims Department in the Amount of {$3400.00}. Check # XXXX However once I received the check I attempted to cash it and it said that it was not a valid check. I tried calling customer support. Which told me they couldn't verify the check either. So I called a Manager whom told me the check was legit. However I mobile Deposited it on XX/XX/year> and now XXXX Is telling me they can not verify the check either. After calling merchant services. Now BMO is telling me that they have to investigate the check because they show the check cashed. I asked why they couldnt verify the check then and they told me I will have to wait on the Claims Department to determine what they can do and they will call me in a few days. So Essentially I am still without my money that was stolen, and BMO is not doing anything about it they issued me a check that is essentially fake or not good. After XXXX mobile deposited it. BMO Also owes me an additional {$8000.00} Cashier check for Claim # XXXX and XXXX. This is a constant issue. Not only could I not cash the check, I have reached out over XXXX times. Each time they tell me they can not verify the cashiers check that THEY ISSUED. It has BMO listed on it, and the exact amount date of issuance for {$3400.00} was XX/XX/year>. I feel very frustrated that BMO would issue me a check that they themselves can not verify for funds that were stolen from me. They issued me a cashiers check because the checking account was already closed, however they can not verify their own check. I can not wait another month for them to send me another check. They need to either let me pickup the funds in a branch, OR Let the check process, Or Wire me funds. I also want the other claims resolved as well. This has been an ongoing issue with BMO And BMO is not assisting me with the issue. They issued a check that seems like a fake check, However it has BMO On the check and its pay to the order of me with the claim number on the check. However they can not verify their own checks. This is redicules.
Product: Credit reporting, credit repair services, 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 : Untitled Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or 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 XXXX 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 reporting or other personal consumer reports

On XX/XX/17, an inquiry from XXXX XXXX XXXX hit my credit report. I do not recognize this, as I did not attempt to open a new credit card. I immediately attempted to call XXXX, however, for my surprise, my SSN was never recognized by the bots, and therefore, I could never get to a human being to help me with my issue. Note : I am a XXXX customer, I do have one of their credit cards that I've had for over a year now. I tried several different phone numbers to solve the fraudulent inquiry issue ( yes, including the number on the back of my card, obviously ), and none of them worked. By trying to use my account number, they would always give me a different phone number I should call, and the story would repeat itself. Through the chat, in the app, they would tell me to call whatever new number they come up with. 

In other words : If I had an issue with my own card, even something unrelated to the Fraud, I would still be left stranded since apparently, there are no accounts associated with my SSN. I wonder how did they let me open my account in the first palace, and give me a limit of over {$30.00}? 

A few weeks back, I also identified some fraudulent transactions on my credit card, and I was able to dispute them through the app. For my surprise, after I tried reaching out to SEVERAL different people within XXXX through email, XXXX and other tools to see if anyone could at least give me an email address I could contact, I started receiving calls from XXXX. Initially, I was positively surprised as I thought those were for my Fraud alert. but I was wrong. 

they called me to once again, ask me for all the information about the disputed transactions that I HAD ALREADY PROVIDED THEM WITH. I provided them with all the information once again, and asked for help with my credit report fraud issue. I was bounced around to many different teams, one of them said that they had added my SSN to my current card, the other one said he was able to identify the fraudulent application, but still had to transfer me to the applications department. At the applications department, we're back to square 0 : she couldn't find any accounts or applications under my SSN. 

I don't know what else to do, who else to contact. If the VPs of Customer Support in XXXX does not care about one of their customers having their identity stolen and a criminal using that information to open accounts and compromising the financial life of others, I don't know what else to expect from them. This is truly sad and embarrassing, and I'm afraid what will happen to my credit and financial life as it looks like someone is using my information unauthorized.
Product: Debt collection

This account is not valid nor is it mine. I have never lived at the address associated with this XXXX XXXX  account and request that this inaccurate information is deleted off of my credit history. I have only resided at XXXX XXXX XXXX XXXX XXXX, GA XXXX. Any and all documentation that I have can prove this to be in fact true. This account is fraudulent and no debts owed. I have filed disputes against this company with no correspondence in return for the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. XXXX  XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these accounts removed from my report because these accounts are were closed because they dont belong to me and they were never late. 

I have contacted the XXXX XXXX XXXX, XXXX, TransUnion and XXXX  and all I have received from the credit bureaus on behalf of the Bank was excuses such as We cant find your file or send us more information at doesnt exist in short these excuses continue unchecked by the Govt and have been irreparably harmed.
Product: Debt collection

when i was originally contacted by this company i asked them to send proof of debt they did not then they talked to my husband about my debt
Product: Credit reporting or other personal consumer reports

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXXwo parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.
Product: Debt collection

I received a recorded call from XXXX that claimed she from a debit collection company and says the conversation will be recorded. Then the recording asks me to pay the debit by entering a payment method and account number. I have never received any such prior notice. I have never not paid any money owed to anyone. 
I responded with This is a scam and I will report this call to the police and appropriate authorities. Then I ended the call and blocked the number.
Product: Debt collection

Toyota Motor Credit has been negatively reporting to my account for yeas. Despite repeated requests from the credit bureaus and Toyota Motor Credit themselves, I have not received validation of debt. In a final chance to remedy this issue, I requested the validation and Toyota Motor Credit has not responded. I sent a letter with copies of my current drivers license and social security card via Certified Mail Signature Requested postage. Toyota Motor Credit received it XX/XX/2020 but did not reply to me, in direct violation of the FCRA. The amount is {$2600.00} and the charge off eviscerates my credit report month after month. This negatively impacts my job seeking opportunities and ability to obtain reasonable credit. I would like this deleted or I will seek litigation.
Product: Credit card

I am being billed {$500.00} for a credit card bill that XXXX XXXX put in unauthorizedly and American Express refuses to remove it. I only authorized one payment to XXXX XXXX of {$500.00} but he put in first an additional {$1000.00} that was denied and another {$500.00} when they would not give him {$1000.00} as I did not have that much credit with American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

VERY SIMPLE IN REGARDS TO MY OTHER COMPLAINTS AGAINST EQUIFAX NOW XXXX AND XXXX  ALL BC OF EQUIFAX. PLEASE REMOVE ANY SECURITY FREEZES AND FRAUD ALERTS FROM MY ACCOUNT I DID NOT ASK FOR THEM TO PLACED ONT HERE THIS IS MY 18TH TIME REQUESTING THIS. I APPLIED FOR A BUSINESS ACCOUNT WITH A CERTAIN COMPANY AND IT REJECTED IT BC IT SAID XXXX HAS PLACED A FRAUD ALERT ON MY ACCOUNT. REMOVE ALL FRAUD ALERTS AND SECURITY FREEZES FROM ALL 3 BUREAUS HOW HARD IS THIS TO DO. REMOVE THE FRAUD ALERTS AND OR SECURITY FREEZES FROM MY ACCOUNTS ITS AFFECTING MY ABILITY TO APPLY FOR CREDIT. I NEVER ASKED FOR THEM TO BE PLACED ON THERE FROM THE GET GO. REMOVE FROM XXXX, EQUIFAX AND XXXX AND I 'D LIKE AN UPDATED COPY OF THE REPORT STATING IT WAS REMOVED. GEEEEEEEEEEEEEEEEEEEEEEEEESHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH.
Product: Credit card or prepaid card

I call them on XX/XX/XXXX. And a manager call me back. But I could not get a hold of her
Product: Money transfer, virtual currency, or money service

PayPal permanently limited my account and I haven't done anything against their policy and I would like this limitation to be removed as its not letting me have buyer protect from some damaged items I received and also use there service or buy items or receive or send money
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion removed it from my report and than added it back I never had a repo on my credit report and I have never even used that company when I got the address from them I went to the location and it was closed down and I told them that they removed it and added it back I need this issue fix this isn't none of my account and the address they have I never lived there
Product: Mortgage

Homepoint Financial Corp. transferred our mortgage to their service provider on XX/XX/2022. This change gave us a new acct no. We received 2 previous emails XXXX and XXXX stating that if our acct was autopay it will transition the autopay to the new acct and we do not need to do anything. It also stated that if our normal autopay was from the XXXX to the XXXX, they will run the autopay late for XXXX and it would come out on the evening of XX/XX/XXXX. I checked my checking acct on XX/XX/XXXX, and Homepoint took the autopay on the XXXX. Because of their email stating they would take it late in XXXX but they already debited our checking, I felt the need to call Homepoint on XX/XX/XXXX and be sure that there would not be any errors and them taking it out twice thus causing an overdraft. The CSR I spoke with assured me that if it was already taken out prior to the transfer, that it would NOT be taken out again in XXXX. 
Sat. XX/XX/2022, I received a text from XXXX that our acct was in overdraft status. We NEVER overdraft our account. I went into online XXXX and sure enough Homepoint ran the autopay twice in XXXX. They have no customer service on weekends so phoned them at XXXX Monday am. XXXX at Homepoint told me he saw a memo that this happened to other mortgages and that I would receive an email at any time on how they will resolve. I told him I want a supervisor as I need a wire transfer of this money back to my checking today. He told me he requested a manager to call me back. XXXX am, still no return call from anyone, no pending debit. XXXX am I left another message on the Homepoint return call line and as of XXXX am haven't been called back yet. This is unacceptable. This is not a small double payment, this is several XXXX dollars of an unauthorized debit.
Product: Money transfer, virtual currency, or money service

On 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  However his bank initially flagged the transactions, he contacted his bank to prove the transactions were not fraudulent. His bank went ahead and cleared restrictions and paid the transactions as fully legitimate. 
However, PayPal who received these payments has continued to negate the payments as credible and legitimate, leaves my account at XXXX because they are proclaiming they have not received payment from my father 's credit account. It has been proven in bank statements from XXXX  XXXX XXXX itself that these transactions have all been paid to my PayPal account, and then some. I have submitted to PayPal over 60 days ago, official documentation of these transactions have been paid since XX/XX/XXXX, yet they will not refund my account to the positive balance of XXXX. I have contacted PayPal on at least 6 occasions, where I was hung up on, promised a resolution, told I'd be refunded within XXXX hours, lied to, and sworn at by representatives, even after providing more than enough documentable info. I am supposed to be refunded 5 transactions, that XXXX XXXXXXXX XXXX has submitted as proof over 60 days ago, and now PayPal is submitting my account to a collection agency damaging my credit and stealing over a XXXX dollars on top of the negative balance they created. They are trying to collect interest on my funder 's credit card to collect.
Product: Credit reporting or other personal consumer reports

In accordance with the FcrA.the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 US C 1681. I told XXXX, XXXX and Equifax to reinvestigate these accounts. Child support account number ending in XXXX, child support account number ending in XXXX, and XXXX XXXX account number ending in XXXX. 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 the 15 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 15 USC 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 calls to believe that the information is incorrect.
Product: Credit reporting or other personal consumer reports

My card with JPMCB ending with XXXX was closed by Chase in XXXX XXXX. There were no late fee nor carry over balance or ongoing subscriptions charges rolling over, when the account was closed. Then Chase stop email statement and switched to mail only which I didn't realize to check my mail. I didn't realize until my credit score from XXXX dropped by XXXX point. I try to contact Chase but they give me the run around nor the branch manage in XXXX XXXX can help with my situation. There new charge in XX/XX/year> since but my account was closed by Chase already. Chase doesn't have a dept or personnel to assist with my situation as the account is closed and fraud dept can help to file a claim. I am stuck with XXXX lowering my credit score after two attempt to explain my situation but come back decline. Please kindly assist to protect my credit score. Many thx
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I moved into the XXXX apartment on XX/XX/XXXX, and moved out in XX/XX/XXXX. I was told I didn't have to pay the debt because of all the issues I was having. They never did any repairs after being told maintenance was coming to repair the issues. The following issues I was having are : The toilet was broken A crack in the window in my daughter 's room I had no stove for a month after moving in I had no heat during the winter tine After a month, I finally got a stove. When they came with the stove, I thought they were going to repair all the other issues, but they didn't. Because the window had a crack in it, bugs came in and my daughter was bitten. I called the office and went to the office on a daily about the problems. They kept telling me they would send maintenance. They never did. A storm came in and blew the entire window out. I called the office and they sent maintenance. I thought they were going to repair the window, but they didn't. They just put a piece of wood on the window, I stopped paying rent because they never fixed the issues. I told them I was going to move out. They told me not to worry about the debt because I wrote down all the problems I was having. Now I'm in another city and state and can't get another place because they put me in collections anyway. I called the office about the debt and they told me management was going to call. They never did. I called back to the office and the lady named XXXX told me to do what I got ta do, we can't help you. I was also told it's not their problem. They were very rude. Under federal law your landlord refuses to make the necessary repairs to make the property liveable, you are not to pay any rent. I need the XXXX Apartments removed from my credit immediately. 
This is the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that on XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Credit card or prepaid card

Dear sir/madam, I received my billing statement on XX/XX/2022 for the period from XXXX - XX/XX/2022 and observed a late fee of {$29.00} charged to my account which was included in the total amount due of {$410.00}. I immediately called the customer service of Bank of America to ask about the fee and the customer service agent told me that I did not pay the last bill of {$26000.00} due on XX/XX/2022. I told her that I did not pay because I did not receive that statement and the late fee should be removed from my account. I confirmed my address and she put me on hold. After that she said she can not refund that late fee because that statement was not returned to them. Then I spoke to her supervisor and told him that I always paid previous bills in time and in full. If I had received that statement, I had done the same but I honestly did not receive that statement but he refused to issue the refund. I called customer service agiain on XX/XX/XXXX and a female agent again denied refund. My argument is that either the statement was not sent to me at all due to some error or it was lost somewhere in the mail. Therefore, the refund of {$29.00} should be issued to my accout.