23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My Citibank Business Account credit card was fraudulently used for ATM withdrawals and debit charges from XX/XX/XXXX to XX/XX/XXXX, despite my refusal of any authorized use to anyone and my dispute of the suspicious activity detected, in response to phone calls I received from Citibank representatives on XX/XX/XXXX and XXXX, XXXX. 
I was reassured that the account would be blocked and investigated. 
Citibank blocked the account on XX/XX/XXXX and XX/XX/XXXX, and on XX/XX/XXXX due to " suspicious activity ''. 
I do not know why the blocks were removed or how the account was reinstated. 
Or how ATM withdrawals are possible without my physical card which was in my possession and I was overseas in XXXX, XXXX during that time. 
My account was depleted ( {$520000.00} ) XXXX XXXX XXXX, XXXX ( balance {$1.00} ). 
A fraudulent check deposited on XX/XX/XXXX from XXXX Treasury made out to me was not detected by Citibank and returned until XX/XX/XXXX. 
Citibank allowed charges to continue until XX/XX/XXXX despite block placed on XX/XX/XXXX and rejecting the check, overdrawing my account {$2100.00}. 
Despite my dispute and appeal of Citibank 's decision to reject my claim for refund, I have not received a logical or satisfactory response or explanation of their failure to protect my account. 
Citibank 's response : " The activity appears to be consistent with your normal banking activities '' is absolutely false and unacceptable. It is a business account, not used for merchant debits in XXXX, NY, XXXX, XXXX XXXX XXXX, cash ATM Withdrawals. 
Obviously the history of account was not taken into consideration, nor investigated. 
I have never been or used my card at any of the locations and venues listed on the statements. 
Nobody knows my pin or security answers. 

CASE ID XXXX XXXXXXXX XXXX XXXX Citibank XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted that this account was paid in full and title was sent to me XXXX XXXX  Ally is reporting inaccurately to the credit bureaus and I have brought it to the bureaus attention on numerous occasions and the only XXXX is XXXX that removed the account, if you notice the reporting doesn't even make sense.
Product: Credit reporting or other personal consumer reports

Inquires were made that I didn't approve. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I have tried to call and talk to someone about this debt. They say the only way of talking to someone is through email. And I have emailed many times and I get no response from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accuracy of late payments Department of Education/ XXXX ( All 8 accounts ) on XX/XX/19. XX/XX/XXXX changed the dates the accounts were first reported, while Equifax and XX/XX/XXXX updated the date of last activity. I received and will upload a copy of a letter from XXXX on XX/XX/XXXX stating that they would not update records as everything reported was accurate. This is willful noncompliance as you did not follow reasonable procedures to ensure accuracy, you are recklessly reporting inaccurate information, failed to investigate any errors, and caused further harm to my credit report and my credit score to decrease.
Product: Credit card

Credit card capital one has been notified by nmhself that there are incorrect charges and amount on my credit card statement and credit file. They ignored my numerous disputes for the last year and now sent me to collections and attorneys for collections even though these have been disputed. They have made collections calls to family and myself even those items are disputed andchavebceen over a year nowThey continue to add fees and charges all while these have been disputedThey have failed the credit card rules and regusltions to handle this is the allowable time periods and limitsThey will not assist after I have reached out many timesThey ar now denying I received phone calls from the lawyers office but I did as well as my wife on our cell phonesWe reported to the do not call list reporting and they stopped thenCapital one continues to violate many rules and regulations and I 'm very upset at their actions and the denials they continue to make
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove this inquiry that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block this inquiry not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account. vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows hard inquiries i have not authorized. Also Auto loans i have not made are shown. I have repeatedly reported inhave been a victim of identity theft. All fraudulent records are dated XX/XX/2020. I have sent letters, made phone calls to all the institutions shown on my credit report that are related to the identity theft issue reported. I submitted a written dispute to XXXX, XXXX XXXX, PNC Bank, XXXX XXXX XXXX, and to the Federal Trade Commission. 

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

My credit rating is wrong. My score is XXXX my rating poor this is wrong. 
The score starts at 300 top score 850. In the United States Of America. 
The math is simple 300-410 is a score. 411-521 is a score. 522-632 is a score. 
633-743 is a score. 744-855 is a score. That is the American math system. 
The credit rating allowed by the United States Of America is Bad, Poor, fair,  good, excellent. If this is correct. The math is simple. My rating should read on my credit report fair with a XXXX score. My complaint is XXXX, Equifax, an XXXX  has my credit rating wrong according to their allowed score of 300-850. It has a window of 550 divided by bad, poor, fair, good, excellent you have 110 in between the 300 score and the 850 score. My score falls in the line of fair and once it reaches XXXX my rating should read good. XXXX has a correct credit report but the rating is poor which is wrong. But they are the only credit reporting company with the correct information.
Product: Credit reporting or other personal consumer reports

Approximately XX/XX/2022 an account was opened with " XXXX '' credit for XXXX $ in my name... i dont know who or how, but i was incarcerated during that time now its effecting my credit
Product: Credit card or prepaid card

Backstory : On XX/XX/XXXX I placed a credit alert ( not freeze ) on my credit due to 2 attempted credit card applications that were not authorized by myself. 

On XX/XX/XXXX, I had applied for credit through Mattress Firm via synchrony bank. I was denied and told I would receive a letter in 7-10 business days. Letter received stated unable to verify identify and credit application was denied. 

XX/XX/XXXX, went into Mattress Firm thinking I would just apply in store because then they could call my cell phone to verify identity to which they refused to do when I applied on XX/XX/XXXX. While attempting to submit application it too was denied. I was told by the rep for synchrony bank that it too was denied. I informed them up the credit alert to which he saw nothing and gave me a story of it was because it was too soon since my last application. He would not reopen the previous one saying it was already determined to be denied and closed. He too told me a letter would be sent in 7-10 days. The sales woman at Mattress Firm suggested I contact corporate via phone, so when I got home I did. Those reps transferred me around indicating nothing they could do. I spent about 4 hours total, about 6-7 reps and disconnected 3 times within that time. No one could help me or even tell me why they would not verify my identify.. One rep submitted another application to which was also swiftly denied. All they could do was apologize and suggest reapplying with a cosigner. I have an excellent XXXX  score ( over 825 ), not 1 missed payment in over 25 years of credit cards, and at the time only had 2 hard inquiries on my account. I have about 5 % utilization rate across my credit cards. To my understanding, credit can not be denied based on a fraud alert and it seems that is exactly what is being done right now.
Product: Debt collection

I am a victim of identity fraud since 2011. 
First National Collections Bureau Inc. is representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who claims I owe them for purchases made in the amount of {$660.00}. I have already sent them a letter in writing with police report & other documents as proof that I had my identity stolen and that someone duplicated my social to file taxes in this same year. Since then yearly I get my credit report and the government sends me special instructions in order to verify myself when filing taxes. I have never ordered any items nor have I received merchandise at my permanent address ( 10 years ) XXXX XXXX XXXX XXXX XXXX Fl XXXX. I checked the only personal bank I use to confirm that I have not been charged nor was my account used to make purchases to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX  XXXX XXXX for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

Numerous calls regarding a debt to be collected that is not owed. There is no outstanding debt or complaints on any of my credit reports as of XX/XX/20. The calls occur daily and often several times in one day and come from two phone numbers : XXXX and XXXX that comes up as potential spam. I've attempted to complete the " stop calling '' form on their website ( XXXX XXXX XXXX  ) but ironically, the form errors and is not able to be submitted.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Debt collection

I co-signed a loan with my grandson for a college loan through XXXX XXXX. The original amount was XXXX. No payment was made on the loan until XXXX XXXX. XXXX when a cashier 's check for XXXX was sent to XXXX XXXX as payment in full. It was signed for in their mailroom and was deposited on XXXX XXXX. The deposit stamp on the back said " deposit to XXXX XXXX XXXX, XXXX XXXX, Account # XXXX. A copy of that check was sent to XXXX XXXX by XXXX on XXXX XXXX, XXXX and signed for by XXXX XXXX at XXXX XXXX Mail room. When I talked to XXXX XXXX about this their answer was " that 's not our account number ''. It 's stamped XXXX XXXX XXXX so??????????????????
Product: Credit reporting or other personal consumer reports

This serves as another complaint to follow up on my recent issue concerning inquiries and the removal of inaccurate personal information. In accordance with FCRA section 605b, Credit Reporting Agencies are mandated to expunge any items referenced in an identity theft report, with mine being under reference # XXXX. Enclosed are the relevant documents to facilitate the removal of the inaccurate address and inquiries from my report. Below is a list of unauthorized account openings : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to eliminate any items in a consumer 's file identified as information resulting from alleged identity theft within four business days of receipt.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. After reviewing my credit record, I noticed late payments. I sent letters over 30 days ago but have not received a response, and they have not provided satisfactory validation. I kindly request your assistance in resolving this matter.
Product: Debt collection

This debt collection is from a previous apartment I rented at XXXX forest in XXXX XXXX, Arkansas. After moving out I was charged for a buyout lease along with other fees. Since the lease i had was a month to month lease the termination fee ( buyout ) was removed from the balance. Therefore the original creditors ( XXXX XXXX ) made several attempts to resolve the issue. An email was first sent to resolve the matter in XXXX of XXXX. Since we have not heard any communication back from National Credit Systems to get a correct balance. Move forward to XX/XX/XXXX a first round of dispute was mailed to National Credit Systems. In response I was given a copy of my balance before it was corrected. Therefore I moved forward in mail to get validation on the balance. After asking for validation I can not seem to get a response. I did reach out to management of XXXX forest again to see if they could try again for a response. One of their leasing agents messaged their SODA hoping this route could get a response ( XX/XX/XXXX ). Most recently I tried to dispute through XXXX XXXX to see if I can get a better solution. None has worked for me. Attached photos are the email sent from XXXX XXXX, and two dispute receipts from XXXX XXXX  recently. I would attach the mail being sent but I do not have a copy of those. I hope we can come to a solution from this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX our XXXX XXXX was used at the XXXX XXXX  XXXX in XXXX XXXX Texas by someone other than ourselves in the amount of {$140.00}. We live in the XXXX area which is a little over three hours away and was not in XXXX XXXX that day. Unlike XXXX, who has called us on several occasions about suspicious charges and taken them off when we said we did not make the suspicious purchase in question, we heard nothing from XXXX. My wife discovered the charge when reviewing our statement and called them on XX/XX/XXXX. They credited our account on XX/XX/XXXX and then reversed the credit, putting the charge back on our account on XX/XX/XXXX. Despite many calls to XXXX XXXX they refuse to take the charge off. On one occasion the XXXX rep stated that it had to be us making the charge because it would be impossible to commit fraud because of the chip. This is insulting and ludicrous. Thieves figure ways to commit credit card fraud without the chip constantly. Case in point : fraud on our XXXX card that has happened several times. Our latest call was today. My wife discovered today that they had closed the case but it was reopened. My wife asked to speak to a supervisor but that did not occur. On XX/XX/XXXX my wife has been given the number of a case processor ( XXXX ) who stated on voice mail that she would return the call by the next day. My wife asked what the signature on the XXXX XXXX  charge looked like ; a XXXX rep said it was illegible. Our signatures are legible and we offered to send copies of our signature from old checks. This would clear up the whole problem by comparing signatures. Today the lady on the phone did not seem to grasp that if they really wanted to clarify the problem that this would do it. We would not suddenly use an illegible signature if our normal signature was legible. She said we could do that but they are not asking for that at this time. This is claim no. XXXX per XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card

Hello, today I received a call from someone who claims to be from Citibank and his name is XXXX. He said me had used a credit card to spend {$9300.00}, and he know a lot of my information, but I have never opened a Citibank credit card and never have a Citibank credit card. I hang up and I have checked my credit report and I have not opened any Citibank credit cards.I checked his caller XXXX and is from Citi bank.Is he a scammer? Thank you.
Product: Mortgage

In short, I had an escrow/impound account associated with my Bank of America ( B of A ) mortgage. B of A was obligated to pay my XXXX XXXX property taxes. They did not pay my property taxes and a {$900.00} fine was levied against me by XXXX XXXX. I feel that B of A should be obligated to pay the fine. The scenario is outlined in detail below. 

In XXXX, I established a mortgage for my primary home with B of A. Since that time, I contributed monthly to an impound or escrow account from which B of A would pay my property taxes. In XXXX of XXXX, I refinanced that mortgage with a different bank. 

My mortgage was refinanced on XX/XX/XXXX, about 3 weeks after my property tax from XXXX XXXX is due. On XX/XX/XXXX, before my mortgage refinance funded, I contacted B of A to ask whether they planned to pay my taxes from my impound account or return the money in my impound account to me prior to the due date so that I could pay it. I knew that B of A had not previously paid my property tax until shortly before the " overdue '' date on which fines were levied, which would be XX/XX/XXXX. On XX/XX/XXXX, I waited between 1-2 hours to speak with a mortgage representative. The representative I spoke to on the phone was unable to help, but assured me she would raise the questions with her manager and get back to me. I received no response by either phone or email. I called again on XX/XX/XXXX. After waiting more than an hour on hold, I had to go back to work and disconnected. I called again on XX/XX/XXXX. Again, after between 1-2 hours, I spoke with another representative. This person advised me that more than {$9000.00} had been paid from my impound account two weeks prior. She couldn't tell me whether it had been sent to XXXX XXXX or to me, but the taxes could be paid either way. 

On XX/XX/XXXX, I received a letter from B of A postmarked AFTER my property tax was considered past due ( XX/XX/XXXX ). The letter contained a check for all of the funds from my impound account. After speaking with XXXX XXXX 's tax collector 's office, I learned that the county had levied fines against me including {$870.00} for the delinquent payment of my primary tax bill. 

The mortgage had been paid off by my new bank on XX/XX/XXXX. B of A executed the Full Reconveyance on XX/XX/XXXX, but my escrow funds were retained for almost 3 weeks. I called B of A several more times and filed a complaint with the Better Business Bureau, but B of A has not addressed why they failed to either pay my taxes or return my escrow funds in a timely manner so that I could pay my taxes.
Product: Credit reporting or other personal consumer reports

I have credit monitoring through Experian due to a data breach. ReporXXXX XXXX XXXXXXXX was issued on XX/XX/year> to place a security freeze on my credit. I wish to remove the freeze temporarily to obtain a new credit card. When I tried to log into my account, the user name & password were rejected as invalid. I tried to retrieve my password, but my cell phone number ( which I had previously used to get a security code ) was rejected as invalid. I called the customer service number to resolve this apparent glitch. I gave my my SS # and other verifying information, and was told that indeed, my account was frozen and that I should log in to my account to change my status. Obviously that was not possible, and the automated response options were of no help, as I needed to speak to a live person to resolve this problem. the automatic response options just created a loop and finally i was disconnected.