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

XXXX XXXX charged my card an unauthorized amount of {$210.00} on XX/XX/2023. 

I disputed this charge with Bank of America on XX/XX/2023. 

XXXX XXXX said they accepted the dispute claim that Bank of America sent them on XX/XX/2023 and provided a sequence number of XXXX. Bank of America said they never received it and my money is not back in my account. Ive been calling both companies for answers and they just keep putting it on the other company. XXXX of these companies have my money and will not return what is rightfully mine. 

I need my money and Bank of America is supposed to be protecting my funds and instead they are gold ing it with my consent. Or XXXX XXXX is lying about sending my money back. I dont know but they both are not being straight and someone is lying. A dispute should not take this long especially when the merchant claims to have sent back the money to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent Dispute letters for those inaccurate and unknown accounts on my Credit Report but it's over 30 Days today I haven't received any response. I was a victim of XX/XX/XXXX Data Breach. I demand to Remove ASAP those accounts or I will file a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I sent a dispute to TransUnion on XX/XX/XXXX and did not get a response so I sent a follow up XX/XX/XXXX. They sent a verification after 64 days saying the account was changed with a date update and rating. The date they updated it to was XX/XX/XXXX but still appears the same with inaccurate information being reported. 

Date closed shows XX/XX/XXXX but the accounts show 90 days in the account history. Date of last payment XX/XX/XXXX but in the account history it shows XX/XX/XXXX XX/XX/XXXX and ok XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX shows 120 days late and XX/XX/XXXX XX/XX/XXXX. Date of last activity shows XX/XX/XXXX but was on a 90 days on that date and being closed as well but doesnt shows charged off until XX/XX/XXXX with the first 30 days being late on the report on XX/XX/XXXX with the date of last payment showing XX/XX/XXXX. 

None of the information makes any sense and how they can state it is verified as accurate with so many discrepancies XXXX XXXX I sent a dispute to TransUnion on XX/XX/XXXX and did not get a response so I sent a follow up XX/XX/XXXX. They sent a verification after 64 days saying the account was verified with a date update of XX/XX/XXXX payment received and rating still the same. The account is still inaccurate. 

Date closed shows XX/XX/XXXX but the accounts show 60 days in the account history. Date of last payment XX/XX/XXXX with a {$0.00} payment but in the account history it shows XX/XX/XXXX XX/XX/XXXX and ok XX/XX/XXXX. With the account being XX/XX/XXXX XX/XX/XXXX. Date of last activity shows XX/XX/XXXX but was on a 60 days on that date and being closed as well but doesnt show charged off until XX/XX/XXXX with the first 30 days being late on the report on XX/XX/XXXX with the date of last payment showing XX/XX/XXXX. 

None of the information makes any sense and how they can state it is verified as accurate with so many discrepancies DEPTEDXX/XX/XXXX High balance {$3500.00} DEPTEDXXXX High Balance {$5900.00} I sent a dispute to TransUnion on XX/XX/XXXX and did not get a response so I sent a follow up XX/XX/XXXX. They have not responded to any of my disputes with these accounts about the inaccuracy on the payment history and sent another letter on XX/XX/XXXX. 

These accounts have the same exact date, open date and payments history with different High balances. Causing duplicate negative remarks. 

This account is still inaccurate since my initial dispute on XX/XX/XXXX with no response. This payment history is still showing 90 days late 8 times with no verification of the payment history. This information is inaccurate and would like you to please remove this inaccurate account or update all the late payments being reported on this account immediately. 

I have attached copies of the letters I have sent, their response and how it appears on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off credit and merged two accounts credit files show only that account I paid off was closed. The credit limit should reflect {$1200.00} which is the two limits combined.
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful review of my most recent credit report it has come to my attention that XXXX XXXX Account # XXXX amount {$1300.00}, XXXX amount {$1900.00} has violated my consumer rights. 

Based on the Fair Credit Reporting Act XXXX  XXXX my rights have been violated as a consumer. 

Under LAWS : 15 US CODE 1681 ( 4 ) 15 US CODE 1681 ( B ) I HAVE ATTACHED WITHIN THIS COMPLAINT a copy of my recent credit report, ID and FTC report, and a copy of the cease and desist letter. 

I have submitted complaints several times with both the debt collection agency as well as the consumer reporting agencies. I have discussed the inaccurate information on the report several times of the course of three months and also explained I have never held a contract or communication with XXXX XXXX all attempts have been ignored. I have also attached cease and decist letters and requested assistance about the violations that are being committed.
Product: Debt collection

I am the agent XXXX XXXX XXXX communicating on behalf of the principal XXXX XXXX. I am a consumer pursuant to 15 U.S.C. 1692a ( 3 ). There are no third parties involved in this matter.

The debt has been paid.

All information needed to resolve this matter will be included in the attachments.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information that appears in my credit report concerning CELTIC installment account. After carefully reviewing my credit reports from all three major credit bureaus, I have identified specific inconsistencies or potential errors as follows : ( I have highlighted all inaccuracies below attached with report. ) **Timeline Discrepancies** Date Last Active : XXXX XXXX XXXXXXXX XXXX Experian XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , FL XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX , XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

The TD bank branch where I used to go has closed its doors to any personal contact because of the pandemic. I need to deposit a check and I soon will need to make a withdrawal to pay my rent. I currently do not have an online account. TD 's website does not even explain how to open one. I have a debit card but I have forgotten my pin number, therefore I can not use their ATM machines. Though the website says one can conduct business with TD by phone, this has proven to be untrue. I have not been able to get any contact with TD by phone.
Product: Debt collection

My identity was stolen and used to rent an apartment at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XX/XX/XXXX. Ive never been to XXXX XXXX XXXX. I live and have a successful business in north GA. The fraudster was turned over to collections for {$10000.00} XXXX with National Credit Systems XXXX XXXX XXXX GA XXXX I learned about this fraud when a credit report was reviewed in XXXX of XXXX in the course of renewing a business line of credit. I notified XXXXXXXX XXXX XXXX of the fraud, filed an FTC report and police report with XXXX XXXX XXXX XXXX and requested copy of the rental file. XXXX XXXX has refused to return multiple calls or respond in any way as required by law. National Credit Systems reported this fraudulent data to the credit reporting agencies. Despite being provided with every piece of documentation they required, they have refused to remove this fraudulent account and have continued to send threatening mail correspondence, threatening legal consequences. Despite emailing me that this matter was resolved, They have recently turned this account over to the XXXX XXXX XXXX XXXX XXXX also of XXXX GA, who recently called my business during the XXXX XXXX attempting to collect. I have also given written notice to XXXX XXXX XXXX that this account is the result of identity theft and sent the law office all supporting documents as well and have reasonably asked for notification of final resolution of this fraud. They have ignored my request. When supplied the same information, XXXX removed the fraudulent account from my file promptly as did another collection agency who handled the fraudulent XXXX XXXX XXXX left behind by the fraudster. When supplied with ample information that this account is fraudulent, both XXXX XXXX Apartments of XXXX XXXX XXXX, National Credit Systems, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX continue to try to collect, threatening to adversely effect my credit, adversely effect future offers to extend credit, insurance, and use the legal system to force me to pay. They do not have a rental contract with my signature, nor have they ever met me at XXXX XXXX. Given that all parties have been given definitive proof of identity theft, Their efforts amount to a planned, well-organized criminal enterprise bent on extortion of their innocent victims. A quick on line search revealed I am XXXX of a multitude of victims of their various schemes. In my case they are using identity theft crime as a pretense for extortion preying in the victims and worsening the damage done to innocent victims credit and as a result, their lives. The XXXX website reports a XXXXXXXX XXXX  rating out of XXXX for the XXXX XXXX XXXX XXXX XXXX and perusal of the multitude of reviews corroborates my experience as hardly unique.
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 or other personal consumer reports

credit reporting agency is reporting inaccurate information such as name, addresses, phone numbers and employers
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my XXXX, TRANSUNION, and XXXX credit report ( s ). I have identified fraudulent accounts. Please block the accounts listed below : XXXX XXXX : XXXX - {$190.00} I C XXXX XXXX : XXXX - {$560.00} These are the accounts I request to be removed permanently from my credit report ( s ). Please block these accounts. These accounts are unverifiable and violate my consumer rights.
Product: Checking or savings account

I opened a checking account with the intentions of receiving a promotional {$400.00} bonus. I did everything correctly and opened the account according to all the requirements. However, they never paid me the promotion. I called them and opened a inquiry. They wrote back to me stating I didn't meet the requirement, " Having no other promotional bonus applied to your account within a 12-month period. '' This is simply not true though. My records state I received a promotion from them in XX/XX/XXXX. By the time I met the {$4000.00} direct deposit requirement it would have been XX/XX/XXXX. This is more than 12 months. No where in their terms does it state that the customer cant have a bonus in 12 months at the time of opening the account. Once again, because after I met all the requirements it had been more than 12 months. The terms state " Once the 90-day qualification period has elapsed, we will determine if you have met the offer requirements, and will deposit any earned bonus into your new checking account within 30 days. '' Again, I signed up for the account on XX/XX/XXXX and the qualification period, 90 days, would have been XX/XX/XXXX. This is well beyond the 12 month mark set back in XX/XX/XXXX. If Wells tries to say it has to be 12 months from account opening, I would like to see how this is derived from their ambiguous terms.
Product: Credit card or prepaid card

I called chime about my chime credit builder card because a charge had been declined. It was to XXXX XXXX  for XXXX a monthly charge that happens every month for the same amount, I opened a written request to customer service asking about the charge on XX/XX/XXXX and if it was from XXXX XXXX  and why was it denied or tried to charge when it was just charged on the XXXX of XXXX. Chime closed my card without my consent. When I called in I was passed around by four different agents claiming to be supervisors, the floor supervisors lied saying two charges were declined, they put words in my mouth I never uttered or spoke. My account has been compromised. Is what one floor supervisor said. They recorded me without my consent in California it is a two party state where my permission is required to record me. The last of the four people ho all claimed to be dispute supervisors except one young lady. They wasted my time asking the same questions as the person before when they knew that they could do nothing I requested which was turn my card back on that I did not give them permission to cancel. Now I can not use my card until I receive their new card and they have my money held ransom as it is a secured card so I cant access my actual cash I deposited into the account. When I asked XXXX for his last name initial he refused, when I asked for an employee Id number he refused he claimed to be the disputes supervisor and told me no one was hire than him to escalate to, he denied me a supervisor to report his poor customer service. When I asked for compensation for time without my credit card or my money he just spoke over me and kept trying to put me back into the que for member services. I asked to be warm transferred to a supervisor and he refused.
Product: Debt collection

I have reached out to the company on multiple occasions stating that my payments are being returned. Every payment i was making was being returned, I contacted them they stated that the system was blacklisting my cards. They even negotiated for me to pay XXXX XXXX so my account could be current and they still rejected my payments.
Product: Credit card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Account Number : Business Gold CardXXXX & Blue Business Cash ( TM ) XXXX To Whom It May Concern : XXXX  XXXX My accounts WERE INCORRECTLY charged, due to first party fraud & account takeover, due to Identify theft. Due to first party fraud & identify theft, personal accounts were OPENED and used incorrectly while I was in the hospital. No one was authorized to open an account with XXXX  XXXX CREDIT CARDS or TO be able to go in my personal checking account and withdraw money. There was fraud on my account, and I will upload all supporting documents including letters and emails that it was not me and I was not aware of suspicious charges or debit that was taking place on this or these accounts, due to the facts I was in the hospital from XX/XX/XXXX - XX/XX/XXXX. I would like for my funds to be credited back by check and all systems be update over the company so all delinquent past or present XXXX XXXX credit obligation ( s ) be removed from my name and account.

Based on your application information, there are too many delinquent past or present XXXX  XXXX credit obligation ( s ) Based on your application information, we observed activity on a prior XXXX  XXXX account that is not consistent with our expectations for account usage or the terms of the account agreement Thanks, In advance American Express XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 I sent Debsty a debt validation letter and cease and desist but they continue to email me non-stop and never sent debt validation letter.
Product: Checking or savings account

On XX/XX/XXXX, I received a text from J.P. Morgan Chase asking if a charge was mine, and I replied no, which was supposed to decline the charge and cancel the card. In the follow-up text, they confirmed the charge was denied, and a new card was being sent. However, now on XX/XX/XXXX, I see that the charge still went through. Since I didnt have the funds, Im now being charged an overdraft fee of {$34.00}. I called J.P. Morgan Chase today, and the operator explained that the company charging me kept trying to process the payment, and because I have a digital wallet, the charge still went throughdespite me explicitly denying it and receiving confirmation. I was told I would have to open a fraud dispute to have the overdraft fee removed. 

I feel like the bank dropped the ball on this transaction, and now Im being charged a fee they created. Its incredibly unfair. I cant help but think of how many people this happens to, and its frustrating that banks make billions while ordinary people like me are burdened with fees we didnt incur. I cant afford this {$34.00} fee, and its disappointing that I have to fight to get it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account has violated my rights 15 usc 1681 section 602 state i have the right to privacy 15usc1681 section A section 2 ; it also state a consumer reporting can not furnish a account without my written instructions 15uscc1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Requested a purchase agreement, and removal of inaccurate information
Product: Mortgage

Hello, Since XX/XX/XXXX, my husband has been paying our home owners insurance directly to our insurance company, XXXX XXXX, yet Roundpoint Mortgage keeps billing me for a monthly escrow for homeowners/hazard insurance. 

I have called them numerous times to ask them to remove this monthly charge from my mortgage payment and they tell me that it is not possible. Last summer, they sent me a refund for the escrow balance of XX/XX/XXXX -- due to unnecessary payments to them for home owners insurance that was already paid. 

I received an end-of-year statement for XX/XX/XXXX that I had a closing balance of {$1600.00} after the appropriate disbursements were made for property taxes. When I called them in XX/XX/XXXX, requesting my refund ( for homeowners insurance payments, that they keep charging me ) I was told that they could not refund the money until they reassessed my escrow account. 

They reassessed the account in XX/XX/XXXX and are still refusing to send my refund. In addition, I am still being charged a monthly home insurance escrow fee -- even though they have received a declaration from our insurance company, twice. 

I would like them to stop charging me escrow fees and then holding that money for over a year, then refusing to refund me when I ask for MY money. I have gone through this process with them numerous times and am exhausted each time because they act as if this is the first time, they don't know what I'm talking about, they just repeat the same info and tell me there's nothing I can do. 

I was keeping track of our email correspondence through their online secured messaging system, but now they have done away with that feature. So, I can no longer track our documented trail of correspondence. I have asked them for ALL emails and phone recordings from XX/XX/XXXX-XX/XX/XXXX and am awaiting their response. 

Please help me resolve this situation. Roundpoint mortgage is stealing my money, or a the very least, holding it hostage so they can gain interest fees. I believe this is a common practice for them as there seems to be numerous complaints of escrow overcharging by them when I searched the web.
Product: Credit reporting or other personal consumer reports

There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me XXXX  on why and how this happened.
Product: Credit reporting or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE ACCOUNTS THAT ARE NOT MINE. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT AND DELETE THE ACCOUNTS AS SHOWN BELOW. I HAVE SENT DISPUTE LETTERS ON and filed a police report. 
XXXX XXXX Experian XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$2400.00} {$2400.00} {$2400.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$2400.00} {$0.00} {$2400.00} Credit Limit : {$2200.00} {$2200.00} {$0.00} Past Due : {$2400.00} {$2400.00} {$2400.00} Payment Status : Collection/Charge off Collection/Charge off Collection/Charge off Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Charged off account Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/2023 - received collections letter on behalf of XXXX XXXX for a utility account that I never started in XXXX. 

XX/XX/2023 - called collections company to let them know it was fraud. They sent paperwork that I am supposed to fill out and return. After receiving paperwork, I decided not to send in as they ask for all of my personal information. 

XX/XX/2023 - called collections again, and they said that I will still owe the balance due, and are not acknowledging that it was fraud. 

Collections company is Online Collections XXXX.
Product: Money transfer, virtual currency, or money service

Multiple of my cash-app cards have had unauthorized purchases charged to them with a variety of different prices. I've lost an exponential amount of money that I have not been able to get back when contacting the company. I would say I have lost around XXXX XXXX