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

Someone used my debit card number and PIN to withdraw {$7000.00} at an ATM from my Citibank account. Citibank refuses to refund money saying I withdrew that money. At the same time this happened my accounts at 4 other banks were compromised. All the other banks have returned the money. I have filed 2 police reports in 2 different departments. I have asked for a photo of person at ATM but I was told I need a court ordered subpoena. I dont know how to proceed. 

The withdrawals in question occured on XX/XX/22 and XX/XX/22. As soon XXXX found out I called the Citibank fraud unit and later wrote to their Citi Executive Response Unit and they said " this seems like my usual banking practices ''. As mentioned above my accountsat XXXX XXXX, XXXX XXXX and XXXX XXXX  and XXXX were also compromised. Some of those accounts have since closed or locked so I don't have detailed information on them but I have them for Citibank. 

Case # 's for appeal with Citi Executive Response UniXXXX are XXXX # XXXX, case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX. XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$7.00} XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$260.00} XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Frontline asset management has not provided me with validation. I requested verification in XXXX and they sent a COPY of a statement in XXXX, and said that is all they had on file to give me at the time. 
My dispute with them- On XXXX XXXX I sent a letter certified mail asking frontline asset management to validate the debt and provide competent evidence that I have a legal obligation to pay the debt. I asked for an agreement that bears a signature of alleged debtor where he or she agreed to pay the creditor as well as an agreement with their client that grants them authority to collect on alleged debt. I also requested any insurance claims that have been made by any creditor regarding the acct, verification that this debt was assigned or sold to collector as well as other details, see attached. This is a request for validation made Pursuant to the fair debt Collection practices act. I specifically requested validation, not verification. Regardless, the certified mail was delivered on XX/XX/XXXX at XXXX am to frontline. I received no response from frontline asset management at any point even after 4 months had passed. Please note, this complaint is strictly regarding the lack of response to my certified letter dated XX/XX/XXXX. I have proof of delivery. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts or inquires
Product: Credit card

Filed a dispute for charge of XXXX to my account. Company did not send product. 
Was told by USAA customer rep the company had sixty days to dispute my claim. If they received no dispute from the company the charge would be permanently removed. 
After filing the complaint the company sent me the product. 
I contacted USAA and told them it would be fine to keep the charge of XXXX on my accountWas told by USAA customer rep that the company had to dispute the claim. 
So I called the company and told them they had to call USAA and dispute the claim. 
Was told by their customer rep they did not know how to handle it and never received anything from USAA disputing the charge. 
I then called USAA AGAIN and talked to a customer rep who told me he could just removed the transaction and I could then send the company a check for XXXX. 
I agreed. 
I received a letter from USAA stating the transaction was removed. 
I sent the company a check for XXXX by priority mail and tracking number. The company received the check. 
I then received a second letter from USAA stating the charge was removed from my account and no further action was required on my part. 
A few days later I checked my account with USAA on line and discovered the charge of XXXX was again placed on my account. 
I called USAA AGAIN and spoke with another customer rep. He did not have any answer as to why the charge was again put on my account. He gave me a song and dance routine that stunk. I received XXXX letters from USAA stating the XXXX was removed. And sent the company a check for XXXX. Now the company will receive XXXX twice. Once from my check and the other from USAA.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the grace period : My payment for XX/XX/XXXX was made on time, which falls within the grace period set by XXXX XXXX Therefore, the account should not have been reported as 30 days late. 
Bank error resulting in delay : The payment was delayed due to an error in my bank 's processing system. I provided evidence that I initiated the payment on time, but it was not processed correctly by the bank, causing the late reporting. This error was beyond my control. 
Evidence provided : I have attached bank statements and payment confirmations showing that I initiated the payment before the due date. This documentation clearly demonstrates that the delay was due to a technical issue with the bank, not my negligence. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I pulled a copy of my credit report and found 2 inquiries that I didnt authorize, 1 of which was dated XXXX XXXX, XXXX. These alleged inquiries have caused a drop in my credit score. I have reached out to both companies to have these removed to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the accuracy of this account on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account keeps getting ownership changes from one collection company to another. They are playing games with the dates opened, which is violation of the FDCPA. I have disputed the accuracy of this account before under different collection agencies. They have apparently sold this account and changed the open date to a more recent date this year. This is a violation, and confirms that they have no other interest other than to harm me financially.
Product: Credit card

XXXX is reporting my XXXX on my credit report twice. I disputed the duplicate information on my XXXX credit report and it was verified as having XXXX accounts. I only have XXXX and this information needs to be updated because it is negatively impacting my credit score.
Product: Checking or savings account

On XXXX XXXX XXXX I had multiple fraudulent charges charged to my checking account, one was for {$350.00}. The time of the charge was XXXX XXXX to XXXX in XXXX Arkansas, the second charge was for {$110.00} it was charged to XXXX at XXXX XXXX in XXXX Arkansas these charges posted to my account on XX/XX/, I was notified of these fraudulent charges by the XXXX XXXX XXXX  XXXX XXXX XXXX on XXXX XXXX XXXX  at XXXX XXXX they stated that there was going to be a temporary hold on this card, I contacted my bank and told them that I did not make the charges and that they were fraudulent and the bank voided the card, I have gone to the bank and spoken to the bank president to get the funds returned to my account that were fraudulently removed. I was told that it wasnt their responsibility, I was told that it could take up to 90 days to have the funds returned. I have called the bank several times, and stopped in twice to find out if they could give me any indication of when the funds would be returned and they told me it wasnt their responsibility, I need my money, returned as soon as possible as I am on XXXX and barely have enough money to cover my bills.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), and a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent charge offs appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts. The aforementioned accounts, appearing on my consumer credit report maintained by you, were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit card

Consistently, I've upheld the practice of making timely payments on this account, preventing any occurrences of overdue payments. The presence of late payment remarks on my accounts leaves me uncertain and seeking clarification. With regard to 15 USC 1666b - Billing Error, corrections are warranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries and accounts that are negatively impacting my credit report.
Product: Debt collection

Franklin Collection Agency has added a collection to my credit report that does not belong to me. I have requested validation without any response. I have never had any services with XXXX. I have been a resident of Illinois for over 15 years. This account does not belong to me. By reporting this information this is damaging my credit worthiness for an account that has never belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you today because I feel that XXXX, Experian, and XXXX  have violated the Fair Credit Reporting Act. I have been sending letters to the credit bureaus because I feel that I have someone elses information reporting on my credit report. I would have check more options if I was allowed to when I filled out this complaint form, The investigations did not resolve my issue, and then the credit bureaus stopped investigating my accounts. 
In XX/XX/2020, I was denied credit because due to a Chapter XXXX Bankruptcy. I thought this was odd, so I request a copy of my credit reports. Not only was a bankruptcy reporting, but several accounts that I have never seen before were on my credit report. There were even addresses listed under my profile for places that I have never lived at. 
It was recommended to me to contact the credit bureaus by mail, so I started to send letters to the credit bureaus. I started to make progress with the credit bureaus but then suddenly, they stopped responding to me. It is my understanding that the credit bureaus have 30 days to respond to my request. It has been well over 60 days and I have not received any responses. 
Since my rights have been violated under the Fair Credit Reporting Act, I ask that my credit reports are updated to reflect information that only belongs to me. Please see the attachments that show the accounts in question.
Product: Checking or savings account

Around XX/XX/2022 answered an employment ad via indee.com. An individual sent me a check thru a legit company but ended up being fraudulent. Being careful, I had only {$26.00} in my checkingg acct to protect myself if check was in fact fraud. Wells Fargo allowed and fronted {$3400.00} to this individual without my knowledge then relaying blame to me, its client, with prejudice. Wells Fargo instigates, advocates and promotes this fraud system which happens to be XXXX without consequences because seven banks including Wells Fargo owns this service. I had my local police get a signed warrant from a judge to get information from Wells Fargo and to this date, Wells Fargo is in noncompliance of satisfying the judges order. They have ignored the warrant because their belief is no government consumer agency can touch them. I still get updates from the XXXX but advises still no additional information from Wells Fargo. Wells Fargo has indicated they are going to put my account in collection for the {$3400.00}. I am only XXXX XXXX XXXX and feel my XXXX dollar bank should have protected me
Product: Mortgage

ON XX/XX/2021 I received a notice from Shellpoint Servicing my mortgage company ( dated XX/XX/2021 ) in the mail. The notice said Shellpoint was going to add insurance to my mortgage as they had not received a copy of my insurance. ( Not true ) I sent them again a copy of my insurance. No call or email back from them. I went online and looked up my account and they deducted out of our tax escrow account funds for insurance even though I had already sent them everything they asked for. I have called in several times XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and each time the agent states that they received the proof of insurance and that it will take 48 business hours to cancel their insurance and put the funds back in my escrow account. I signed in again today XX/XX/2021 and the funds are still not in my escrow account. The agent again told me it will take 48 business hours and to check back Tuesday XX/XX/2021. Starting XX/XX/2021 they are going to charge me XXXX more on my mortgage payment each month to pay off their insurance. This is fraud.
Product: Mortgage

we have had several issues with PHH Mortgage not processing our monthly payments and then not notifying us of the payment reversal till weeks or a month later. By this time we are charged a late fee and our credit score is affected and reported against. 

We have had the issue happen both when we pay over the phone and recently on XX/XX/XXXX and XX/XX/XXXX when we paid on their online portal. 

I XXXX was told that the phone payment was returned due to our bank account number being wrong ( it was missing a " XXXX '' ) i spoke XXXX the PHH rep and he told me the routing and account # 's and they where correct XXXX for XXXX " XXXX '' was missing in the XXXX XXXX digits. He corrected the issue. I thought since it was corrected we where good. 

We then paid online XX/XX/XXXX & XXXX to cover XXXX and XXXX 's monthly amounts we owed. We have had issues since XXXX XXXX our clients not paying us on time so we got behind several times. The payments where then returned on XXXX & XXXX with no notice from XXXX till around XX/XX/XXXX. 

I called PHH again on XX/XX/XXXX to make the now XXXX days late XXXX payment and address the returned online payment. They told me the bank and routing number and of course it was missing the same " XXXX ''. I told them this was fixed a month to XXXX ago what's the deal? They said that the online account # would only be entered by me and they couldn't have messed it up. My thoughts : Why did both their XXXX payment methods have the same issue and they could fix the phone XXXX but not online??? 

My XXXX called PHH on XX/XX/XXXX to once again try to address the issue the PHH rep tells my XXXX again they couldnt have caused it and the best way to fix it is delete the current payment info and enter the correct amount so my wife does this. My XXXX  did this w/o looking to see if the account # was missing the " XXXX '' so the issue should be addressed now but we have XXXX XXXX days late notice on our credit report for XX/XX/XXXX which we paid in time but then where reported late due to PHH constant inability to process a payment, notify us about it in a timeframe before its reported as late and past their XXXX days grace period. This happened before with a phone payment but im not sure the timing to know if its the cause of the XXXX or XX/XX/XXXX late reports we have on our credit score but I would expect XXXX of them is as they have caused the XXXX one now on our XXXX round with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of the Covid 19 crisis my income was reduced due to the lockdown and I struggled to pay my bills on time. I was late in paying a XXXX credit card bill for a period of 3 months but ultimately was able to pay. I understood that there would be some forgiveness for late payments during this time however the lates show up for my credit card on the credit card bureau reports. I tried to get these lates removed as it is having a negative payment on credit score but the lates are still being reported.
Product: Debt collection

I have come across an item on my credit report that does not belong to me. An account was opened fraudulently without any acknowledgement ; In other words this account was not opened with my authority or consent and I am unaware of this account ; the balance reported or am I responsible for any debts occurred on this account. Please provide me with the application for service agreement verifying my authorization of the account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following dates indicate late credit card payments on my credit report : - XX/XX/XXXX ( Preparing for XXXX to XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( Permanent Change of Station - Relocation ) - XX/XX/XXXX ( Permanent Change of Station - Relocation ) - XX/XX/XXXX ( Military Training ) At the time of these late payments in XX/XX/XXXX, I was in the process of deploying/deployed to XXXX in support of XXXX XXXX XXXX. As an XXXX XXXX Service Member, there are not always timely notices for combat deployments and/or Field Training Exercises. In XX/XX/XXXX, I was in the process of a Permanent Change of Station due to ongoing military obligations. In XX/XX/XXXX, I was attending military training with little to no internet or telephone access. I say that not to justify why the payments were late, but instead to show that the late payments are not a true indicator of my actual creditworthiness. Since that time I have been an exceptional customer paying every month on time. The late payments have been unsuccessfully disputed with the three major credit bureaus. I have enclosed a copy of my Duty Orders with this letter for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX TransUnion have been dragging this investigation out in regards to XXXX XXXX XXXX COLLECTION ON MY PROFILE the three credit bureus are notorious for lying and responding back verified ATTACHED you will see I have exhausted my attempts to get XXXX XXXX XXXX to prove I owe such for a construction bill that I never knew or bearing my signature the XXXX  Complaints XXXX XXXX XXXX also in the emails attached stating one thing and I am getting another exscuse BOTTOM LINE XXXX IS DRAGGING THERE FEET NOT RESPONDING WELL OVER DUE the credit bureaus need to remove from profile THIS DOES NOT MEET THE FAIR REPORTING LAWS this is been going on for well 60 days. also I would like to add to establish the bureaus generated response 's PUBLIC RECORD VERIFIED AND THE COURT RESPONSE XXXX XXXX Does Not Report To Bureaus so Verified was a lye and still showing on report, they can not report such, the bureaus have to verify from the source this is illegal reporting and a blunt disregard of the law
Product: Credit reporting or other personal consumer reports

All my personal information was sold and company billing me and i never had there service
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$390.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$670.00}, XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00}, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX