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

Chime banking online Locked me out of my account on XX/XX/XXXX because without my permission XXXX XXXX ( my ex ) Took it upon himself to create a bank account online with a company called XXXX. XXXX did that so he could deposit funds off a gift card and then withdraw them via my Chime account. I reported this as Fraud and I have been working with Chime to try to regain access to my account. Chime requested me to send it via PDF copies of my ID front and back which I provided. Chime also requested a statement from XXXX XXXX  concerning that transaction which I provided copies of the emails between XXXX online support via email, communicating the specific transaction, confirming that that account was closed, that there were no funds on hold, and the transactions involving Chime had been returned. This is all over less then XXXX XXXX Todays date is XX/XX/XXXX Today I was trying to once again access my Chime account and they are used to connect me to any management refused to provide me with any process of communicating with management and will not give me access to my account. Not only this, but I was hung up on twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three missed payments on my XXXX  XXXX credit card XXXX that are seven years old and need to be deleted from my Experian credit report I have asked for these items to be deleted, but they are not. 

The three missed payments. Are the dates following. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018 the collection agency allied interstate LLC showed up on my credit report with any previous notifications or phone calls for the amount of XXXX dollars. I then try to call this company to get this verified or to why are they on my credit report i adk for verification of debt i was told that i had to go to original cretitor to verify the debt with will be XXXX XXXX. The problem here is allied interstate llc shows up on my report they cant verify the debt but not only that i have to verify with original creditor plus i was never notified on this debt. Allied interstate LLC should have some kind of debt ferification and contract as well they are reporting unverified information on my credit report. I do not have any documents because allied interstate llc does not have my adress and im unsure if I should tell them my adress as they may later try to use it to verify information
Product: Mortgage

This is a follow-up to a previous complaint with your agency. That complaint # is  XXXX . I had a mortgage on my home serviced by   XXXX   XXXX    based in  XXXX , FL, at the time that m y HOA file d a foreclosure suit against me over disputed  HOA  fees. Within days of this occurrence,   XXXX   sold the loan to a company called Green Tree Servicing, which has since changed its name to  Ditech. Ditech  is my current loan servicer. The summary of my dispute is captured in a letter I sent to  Ditech  dated  XXXX   XXXX ,   XXXX  , which is the last of several letters I wrote to them. I include it as an attachment below. I never received a response to this letter, and so I assumed the matter had simply gone away. However, starting in  XXXX    XXXX  , I saw on my mortgage statement that there was a separate charge of {$80.00}. I thought this had something to do with the escrow shortage. I finally call ed Ditech  a week ago to find out exactly what this charge is. I now discover it is to cover the legal f ees that I had disputed in my earlier complaint and that I continue to dispute. In other words, Ditech is tacking this extra charge on to capture these fee s which I contend should never have been incurred in the first place. So in fact, my complaint has still not been resolved to my satisfaction. They simply decided to ignore this last letter dated  XXXX / XXXX /  XXXX  !
Product: Debt collection

Today, a collection agency named Source Receivables reported a {$1900.00} collection account on my credit report. Prior to the appearance of this phantom collection, I received no notification from Source Receivables, much less my 30 day notice of my right to dispute. So based on that, Source Receivables has violated my rights under the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : SERVLNPRAT Account # XXXX has violated my rights. 

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 or 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 reporting or other personal consumer reports

This is the follow up complaint. I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX Balance {$680.00} XXXX XXXX XXXX XXXX Balance {$260.00} XXXX XXXX XXXXXXXX Balance {$85.00} XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XXXX Bankruptcy Federal Reference # XXXXXXXX XXXX XXXX Bankruptcy US BKPT CT XXXX XXXXXXXX Reference # XXXX
Product: Checking or savings account

Title is exactly as stated. 

TD Bank back in XXXX closed my account because of delinquency. I had to pay off that amount before opening a new one with a balance of {$790.00}. The amount was paid in person, cash, in XXXX. Now in XXXX as of XX/XX/XXXX I was charged {$460.00} for an offset as well as on XX/XX/XXXX charged {$520.00} for a total of {$970.00}. I was told there's also a remaining balance of {$270.00}. 

I have contacted every single person I can manage to get ahold of. The boss of one particular store with a job title of " Business Analysts Supervisor/Account supervisor '' contacted me and told me that I could dispute the claim but there was no way they can reverse the offset. Also last week when I was in person they said they would do the exact same thing and nobody called me to give me an answer. I called back and spoke with the boss with a fancy long title. So I then called customer service. Since it was an offset they were unable to dispute it and said they would connect me to someone who could. I was connected with their Recovery department. The agent was not able to dispute the claim either. The only thing she noticed and was able to do was inquire and fill out an investigation of why I was being charged over the amount of the balance owed, which still doesn't solve the original problem of being charged 2x for something that was paid off in XXXX. 

I seriously need help here. Nobody at TD helps. Everyone says can't do anything about it. Nobody seems competent or in any real position of power to do anything. I have a scheduled call with the supervisor 's boss I had spoke to in the next 24 hours, " Business Analyst Supervisor ''. Essentially I'm speaking to every supervisor, getting their job title and name, and asking for their supervisor since every person contradicts themself with no consistency. When asked if they can explain the charge in detail, I never get a direct answer. It's just, X amount from collections. Forgive me on this because I'm not quite sure but after a certain amount of time don't banks just sell their debt to the lowest bidder after 180 days or so? So would a third party actually own my debt as well? Five year later collections comes after me? It all makes zero sense and feels like white collar theft. 

Will I have to take legal action? I'm open to all advice please.
Product: Credit reporting or other personal consumer reports

The following is reporting inaccurately to my credit. XXXX XXXX XXXX XXXX XXXX XXXX is reporting an account which is NOT ME or NOT MY LEGAL NAME. They are damaging my credit. My name is " XXXX XXXX '' NOT XXXX XXXX ... the account is tied to someone else with a similar name or address. They're also pulling my credit without permissible purpose. They are in strict violation of FCRA regulations. The credit reporting agencies claim this is verified. Not sure how they verified the info since it's not my legal name. I need the following account and all inquiries associated with this company removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX ; SOUTH CAROLINA XXXX XXXX ;
Product: Debt collection

In accordance with my rights under the Fair Debt Collection Practices Act, I am hereby requesting formal validation of the alleged debt you are reporting to the major credit reporting agencies on my behalf. Please note that I am not requesting a simple account summary but instead you should forward the following information in a timely manner : 1. Validation that the alleged debt was established, including a signed application for credit. 

2. Formal certification that the alleged debt was transferred to a third party if applicable. 

3. Notarization regarding the alleged debt 's P & L application to federal or state tax write off. 

4. A complete monthly accounting history from the alleged debt 's inception through the present date, including any alleged charges, penalties, service charges, and payments, as well as a certified attestation regarding current status. 

5. Documentation regarding your company 's compliance, including applicable bond, regarding debt collection laws in my state. 

I will look forward to receiving the requested documentation so that this matter will not escalate further. Otherwise, you are prevented from reporting this account to the consumer reporting agencies. Any further reporting is in violation of the Fair Debt Collection Practices Act ( FDCPA ) section 809 ( b ) 15 USC 1692g.
Product: Credit card or prepaid card

In XX/XX/XXXX, I was significantly affected by Hurricane Harvey. This tragedy left my family and me homeless for a month and a half and during the majority of the time, I had no access to a phone, Internet, or other communication sources. Additionally, I lost my job due to the hurricane and was unable to make payments on some of my credit card accounts. I was unable to reach out to companies as I did n't have the means to do so and, frankly, it was not a priority of mine. Knowing that I was affected by the hurricane, these companies still reported late payments on my account, which I feel to be disrespectful as I was going through a struggle. 

After I was able to move back home, I got a job and was able to start making payments on my accounts. In XX/XX/XXXX, I sent goodwill letters to companies explaining my situation. The majority of them did not agree to remove the payments. I am not contacting you all to see if this issue can be resolved.
Product: Checking or savings account

I have banked with Wells Fargo for approximately 4years. During the course of time I've experienced fraud in my account on numerous occasion. I reached out to the bank making them aware of the fraud, unexplained errors e.g. ( errors stated I sent funds to someone I hadn't ), charges from unknown vendors, double charges from purchases. it was through these means that funds were syphoned out of my account over the course of years. Complaints filed were mishandled, and ignored by bank employees. I was told that the situation would be investigated only to have nothing done in the end.I received a lump sum from life insurance proceeds, which was meant for my family to survive on. I have a XXXX  XXXX which makes working a regular job difficult. When my husband passed away these funds were meant to assist my family with daily living expenses. The theft of these funds have theft of these funds has disadvantaged my family greatly. My Wells Fargo Bank account records does not reflect accurately the amount of funds deposited into the account. Wells Fargo have refused assist with this situation for some time now. Approximately XX/XX/2021 I spoke with someone in corporate who denoted the theft and hung up the phone on me. I would like a thorough investigation concerning the whereabouts of funds missing from my account.
Product: Credit reporting or other personal consumer reports

Due to recent data breach wanted to freeze credit with all 3 major credit bureaus ( already had an account with all 3 ). Was very simple and easy to do through XXXX and XXXX webpages- was very difficult to freeze credit with Experian due to dark patterns trying to sell you on their on their one of their protection subscriptions. 

There is no direct link to freeze your credit on their website through protection, credit, or any others tabs without clicking into " Experian XXXX '' which tells you your " Your Experian credit file is unlocked '' and you need to upgrade your account to lock it, even after you have done a security freeze, if you wish to lock it. There seems to be no mention of security freeze for free with them unless you click into " experian XXXX  '' and even then it's very subtle where it shows Experian credit file is different from a security freeze. 

After you log into Experian it'll ask to add credit card/account for their protection services which you won't be charged ( then in fine print shows 25 month after trial ), then home page mentioned about recent data breach and how to protect yourself which takes to page promoting their paid service to lock vs freezing. 

Very deceptive dark patterns trying to get people to sign up for their " protection services '' in order to freeze/lock.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureau to do a verification of everything on my credit report, they did and stated everything on my report is accurate. Afterword I verified and did my own research to make sure everything stated by all 3 credit reporting companies was accurate and correctly shown in all 3. I found inconsistencies and improper use of my information by all 3 credit bureau companies even after I requested that everything be accurately verified. in accordance with the Fair credit reporting act Convergent Account : # XXXX ( XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX # XXXX ( XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) # XXXX ( XXXX XXXX ) # XXXX ( DEPT OF ED/XXXX  ) # XXXX ( XXXX XXXX ) have ALL violated my rights. 
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.
Product: Debt collection

Emails me multiple times a week about the {$670.00} I owe them. I understand that I owe them but sending me emails all the time does n't help.
Product: Money transfer, virtual currency, or money service

Bank of America - Online Fraud claim # XXXX POLICE REPORT # XXXX NAME : XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX - I observed in BOFA online , there was unauthorized/ fraudulent transactions in process ( BILL PAYMENT debit to two accounts : XXXX XXXX XXXX  : {$6000.00} + XXXX XXXX XXXX Card : $ XXXX : {$10000.00} ), so immediately contacted thru phone on customer service fraud department and they told we can not do anything at this point and once it will post/ transaction completed then we can take action. 
So, on XX/XX/XXXX - called again customer service, reported same thing and they took case ( filed claim # XXXX ) and said starting investigation. 
on XXXX went to XXXX XXXX md police satiation and filed a case related to the same thing. 
and called customer service a couple of times, no updates XX/XX/XXXX - called again, BOFA told case is in under review and BOFA requested docs to fax : Faxed police report XX/XX/XXXX - one of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  called me and said starting investigation, after that no updates XX/XX/XXXX : I called again- they told claim got denied as " the funds were sent out same from my account. I explained everything again they told will reconsider claim and will start investigation time frame : 10 days for investigation, 45 days finalize.. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENT, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS MADE A MISTAKE AND ONLY XXXX PAYMENT WAS NOT SENT ONETIME. 
I TRIED TO CALL THE XXXX CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARK FROM MY CREDIT REPORT I NEED TO REFINANCE THIS HOUSE. 
MY RECORD IS SPOTLESS EXCEPT THAT TINY TIME WHICH I WAS NOT AROUND. 
APPRECITAED
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that l believe to be fraudulent and have negatively impacted my credit report. 
Below is a detailed list of the accounts in question : XXXX Account number XXXX, XXXX XXXX XXXX account number XXXX, Dept of education/XXXX account number XXXX, US Dept of EDXXXX account number XXXX , I recently reviewed my credit report and discovered several unauthorized inquiries that appear to be the result of identity theft. These inquiries are negatively impacting my credit as I am in the process of buying a home. Please remove the following accounts from my report : I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2020 XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have some major issues with my credit report fraudulent addresses, inaccurate name, and un-validated accounts showing on my report. My name is XXXX XXXX. XXXX not XXXX XXXX please delete ANY and all variations of my name they are not accurate. I beg that your department might consider helping with a difficult situation. I have managed to get my XXXX XXXX Credit Report updated properly. However managed to acquire some unverified items that have effected my FICO. 
Eventually I look forward to applying for a home loan, and as a result I am worried this inaccurate information may spoil my credit rating. Please delete the following accounts this is a 609 FCRA dispute on the following : XXXX XXXX XXXX, XXXX I have never had accounts with theses companies.