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

On XX/XX/XXXX I noticed some fraudulent activity and contacted Citibank about several XXXX transfers that were made from my checking account and savings account. An unknown perpetrator had gained access to my email account, changed my Citi online password ( attached : password change email screenshot ), and transferred approximately {$33000.00} out of my account to unknown parties. I also believe that the person or persons had cloned my phone and had access to information on it. 

Today I was informed that Citi reached a decision on XX/XX/XXXX and claimed that since these transactions were made using my online account that they will not be reimbursing me for the stolen money for the disputes ( reference numbers : XXXX, XXXX and XXXX ) Today XX/XX/XXXX I called Citi and spoke with a fraud representative that also confirmed the activity was fraud and that I should have been given my money back. I faxed a letter to Citi appealing their decision and providing more information to support my case. I also reopened the fraud dispute cases ( new reference numbers : XXXX, XXXX, XXXX ) I have had an extremely poor experience with Citibank 's handling of this whole matter. I have been a loyal customer for XXXX XXXX and when I need Citi 's protection from fraud, they are siding with the perpetrator and letting them have my hard-earned money. I have spoken to over 10 representatives at Citi, been transferred around numerous times with most of the reps having little to no information, and they simply pass me off to the next person. They will not let me speak with the person that actually investigated the case so I can provide information to them directly. It seems like I have no recourse, my money has been stolen and Citibank doesn't seem to care at all about its customers. If it was a small amount, I would just forget it but this is literally my entire checking and savings balance. I will be in an extremely difficult financial position without this money. Furthermore, it is easy to see that I would not, myself, XXXX away over {$30000.00} in one day on a whim. This is a clear case of fraud and Citibank is not doing anything to make it right when it is evident that a mistake was made in deciding this case. Please help.
Product: Credit reporting

My Equifax Credit report under ( Inquiries that may impact your credit rating ) shows XXXX making an inquiry on my credit report. I do not have an account with XXXX nor did I give XXXX permission to access my credit report. I contacted XXXX and spoke with XXXX XXXX, I spent nearly an hour on the phone while she investigated why the credit report was ran. XXXX 's end result concluded they have no account for me and no record of a credit report being ran. They suggested I contact the credit reporting bureau. I contacted Equifax Credit Bureau and spoke to a supervisor XXXX XXXX. I explained that XXXX made a credit inquire but has no record of doing it. I asked to have the inquire disputed and he said he can not issue a dispute on his end ; XXXX must send the dispute. I explained to him that XXXX has nothing. He said that 's a problem and suggested I file a police report and then they can take it off. I told him I thought if I dispute something on my credit report the credit agency sends the reporting company " XXXX '' proof of reporting, and if the reporting company fails to send proof then the credit reporting agency must take off the impacting credit remarks. He said he was sorry and there is nothing they can do. 
Questions : So now how do I get this off my credit report? 
Is this a rogue XXXX employee viewing credit reports using XXXX 's reporting account? 
Is XXXX 's computer systems compromised allowing a hacker to use XXXX reporting services? 
Is this the beginning of an identity scam using XXXX as a front? 
Do I need to file a police report to get this off my credit. 
Who actually reviewed my credit report if XXXX says they do n't have any record of a credit report ran but Equifax says XXXX ran the report ; who 's responsible here? 
Facts : Equifax is refusing to verify who viewed my credit report, they simply say it was XXXX. 
Equifax will not dispute the inquiry because XXXX must first acknowledge the reporting error and send it to Equifax. 
Equifax contact : XXXX XXXX supervisor ID XXXX XXXX or XXXX XXXX has no record or knowledge of ever running a credit report. 
XXXX contact : XXXX XXXX XXXX XXXX result, I have no confirmation of whom ran/viewed my credit report and the results of the inquiry may impact my credit score with no recourse other than to file this complaint. Please help and thank you for your time. 
XXXX supporting documentation excerpt from my credit report : Inquiries that may impact your credit rating XXXX XXXX/XXXX/16 Creditor Contact Information XXXX XXXX XXXX/XXXX/16 Creditor Contact Information XXXX XXXX Public Sq XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

Requesting block of information : account : XXXX See attached
Product: Credit reporting or other personal consumer reports

There are ( 2 ) " hard inquiries '' on my credit report that " I didn't not authorize '' or have knowledge of. 
( 1 ) Capital One ... hard inquiry on XX/XX/XXXX XXXX XXXX ( 2 ) Capital One ... hard inquiry on XX/XX/XXXX  There are also ( 2 ) " collections '' from agencies whom aren't authorized to bill me as I have had no contact with said agencies. They are " third party '' bill collectors. I have no knowledge of these agencies or their functions. These accounts were supposedly settled and closed. Thank you.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX  XXXX Balance : {$0.00} 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

Back in XXXX I noticed charges a couple of times a week that I did not make. After doing my research i figured out that Someone was using my American Express card to purchase food through the XXXX XXXX. After contacting American Express and explaining to them the situation they said they would open an investigation. There where 7 transactions that were totaling over XXXX dollars. The fraud department then emailed me a form which I filled out with the dates and the amounts that were charged. They advised me that they would look into the fraud and let me know and that it could take up to 45 days which was fine. All I wanted was my issue resolved. After contacting them the customer service representative advised me that they decided they were not going to return the fraudulent charges. Ive dealt with American Express for the pasa 10 years and they have the worse customer service.
Product: Vehicle loan or lease

We have paid off the loan back in XXXX or XXXX but recently when I tried getting the title from DMV in XXXX, it turns out there is a lien from Honda Financial. I called them but they dont have a record of the old loan and not sure how to go about releasing the lien XXXX VIN for the vehicle is XXXX.
Product: Debt collection

The wrong amount is being asked for. They have the correct amount on the ledger. They know the amount to the XXXX. Upon speaking to a representative they advised me that they want to first validate the debt. They said they will contact me with the results and if needed I could present proof of correct amount. They did not attempt to call me to ask for the correct amount, nor confirm with the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters off about correcting my personal Information and it is still wrong. 

I don't want this on my credit report. 

According to the Fair Credit reporting Act 15 USC 1681, I have the right to privacy.

Also according to 15 USC 6802. 

No financial institution is not suppose to share my information to any third party people. 

These are clear violation of my federal protected consumer rights.
Product: Student loan

I contacted Navient in late XXXX as I was having financial difficulties. The rep I spoke to was in the XXXX and was not fluent in XXXX. She took info from me and told me to complete forms at student.gov website. I did this and I received no help. I called several other times but was put through to reps which did not understand XXXX. I received an email from Navient on XX/XX/XXXX and called. The rep XXXX said I needed to pay {$50.00} for an expedited forbearance but told me it may not be approved. I feel Navient had not been fair to me or helped me through these difficult times.
Product: Credit reporting

XXXX XXXX XXXX XXXX send a collection in to XXXX XXXX XXXX to collect. XXXX filed a report against me. The person who was treaded at XXXX has a different date of birth and address. I did n't know about this until a local bank called and asked if I want to refinance my truck. Then about a week later I received letter from the bank saying the loan was turned down because of the report from Equifax. That 's when I found out about it all. I spoke with XXXX and they said that they were wrong and they closed the account and would not give me any information about it. I called them again and was told the same thing ( closed and no information ). I may a lot of calls to XXXX and found only one person that would help and she said that they had made a mistake and it would be corrected in about 30 - 60 days. Three weeks later I just received another bill from XXXX trying to collect with the incorrect address that is close to mine. I have e-mails from the one person at the local XXXX office where she emailed the person from the billing part and she could not believe it had not been taken care of and that they had billed me again. The person a the billing office was suppose to call me but had never taken the time.
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 BUSINESS days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION, XXXX AND XXXX.
Product: Credit reporting or other personal consumer reports

I discovered inaccurate information on my credit report, which I believe violates 15 USC 16c-2. This information is incorrect and negatively affecting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to removed unathorized inquiries on my credit. I advised them that I am unable to get a letter of deletion from the creditors. Their response was that if I am unable to get the letter, it will remain on my credit for all of two years. They have no other alternative and this is simply unacceptable. This is causing me unneeded distress and frustration by pulling my score down, where I am not able to qualify for a home.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Debt collection

I called Northwood Asset Management Group ( NAMG ) on XX/XX/2021 and spoke to debt collectors who have violated the FCRA regulations. The 1st violation being that the reps would not allow me a chance to advise that this debt does not belong to me and that they kept accusing me of owing the debt. I asked for the debt to be validated and the rep advised there is nothing to validate and kept on insisting the debt is mine. That is illegal and against FCRA regulations. Debt collectors can not assume a debt belongs to someone and refuse to validate the debt. This debt does not belong to me. See attached.
Product: Credit reporting, credit repair services, 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I BANK AT CHASE. I RECENTLY FOUND A VEHICLE I WANTED TO PURCHASE AND WANTED TO USE A DOWN PAYMENT. I WENT INTO CHASE BANK IN THE XXXX AREA, I PROVIDED MY CREDENTIALS ( DRIVERS LICENSE & CHASE BANK CARD W/ PIN ). THE CASHEIR 'S CHECK WAS FOR {$9000.00}. THE TELLER TOLD ME SHE NEEDED TO GET APPROVAL. HER SUPERVISOR CAME OVER AND WANTED TO VERIFY ADDITIONAL INFORMATION ( MY SSN, MY FULL ADDRESS, MY NAME AS IT APPEARED ON THE ACCOUNT, MY MOTHER 'S MAIDEN NAME, MY DATE OF BIRTH, MY PHONE NUMBER ON FILE, AND EVEN THE LAST COUPLE OF DEPOSITS ) FOR THE AMOUNT REQUESTED. AFTER VERIFYING MY ENTIRE LIFE TO THEM, THEY TOLD ME THAT THEY COULD N'T APPROVE THE CASHIER 'S CHECK BECAUSE THERE WAS A FLAG ON MY ACCOUNT DUE TO NOT ENOUGH ACTIVITY. THE SUPERVISOR THEN TOOK MY DRIVER 'S LICENSE INTO HER BOSS ' OFFICE. I WAS SO UPSET AND EMBARRASSED, I CALLED CHASE BANK CUSTOMER SERVICE ASKING WHY IS THERE AN ALERT ON MY ACCOUNT AND WHY COULD N'T I GET MY CASHIER 'S CHECK TO PURCHASE MY VEHICLE. THE CUSTOMER SERVICE REPRESENTATIVE SAID " I DO NOT SEE ANY ALERTS OR RESTRICTIONS ON MY SIDE SIR, YOU SHOULD HAVE NO PROBLEM GETTING YOUR CASHIER 'S CHECK '', THEN THE REPRESENTATIVE PUT ME ON HOLD TO VERIFY THAT WITH THE FRAUD DEPARTMENT THAT THERE WAS NOT ANYTHING IN PLACE ON THEIR END. THE REPRESENTATIVE CAME BACK ON THE LINE AND TOLD ME THAT HE SPOKE WITH FRAUD AND THEY DO NOT HAVE ANY ALERTS OR RESTRICTIONS ON MY ACCOUNT AND THAT I SHOULD HAVE BEEN ABLE TO SUCCESSFULLY RETREIVE MY FUNDS WITH NO PROBLEMS AT THIS BRANCH. I WATCHED EVERY LAST CUSTOMER WALK IN THAT BRANCH AND WALK BACK OUT WITH ALL THEIR CASH WITH NO ADDITIONAL VERIFICATIONS OR ANYTHING. I HAD TO PROVIDE MY WHOLE LIFE STORY TO THIS BRANCH AND STILL WAS LIED TO SAYING THERE WAS ALERTS ON MY ACCOUNT AND FLAGS NOT LETTING MY ACCOUNT BE PROCESSED. I WAS DISCRIMINATED AGAINST BECAUSE OF MY SKIN COLOR AND MY OUTWARD EXPRESSION THROUGH CLOTHING, OTHER INFRACTIONS WERE PROBABLY VIOLATED DURING THIS PROCESS. IT TOOK FOR CUSTOMER SERVICE TO CALL THIS BRANCH AND TELL THEM TO GIVE ME MY CASHIER 'S CHECK TO GET IT AFTER 37 MINUTES. THE EMBARASSMENT AND EMOTIONAL HURT IS WAS AT AN ALL TIME HIGH. I SUFFER FROM XXXX, XXXX, XXXX, AND NUMEROUS OTHER CONDITIONS. THIS IS NOT HOW A VETERAN OR ANYBODY FOR THAT MATTER SHOULD BE TREATED. I 'VE THOUGHT ABOUT TAKING THIS TO THE MEDIA TO SHOW THAT THESE TYPES OF PROBLEMS ARE STILL VERY ACTIVE AND ALIVE IN OUR BUSINESSES TODAY. I AM GLAD A HAD A FRIEND OF THE FAMILY THERE WITH ME TO HELP ME THROUGH THE UNFORTUNATE EVENT.
Product: Debt collection

I received a bill in the mail a few days ago that was from a collection agency, but I never received the original bill, it was an outstanding amount ( $ XXXX ) so I could not jump to pay it ... within 2 days I have receive repeated called as early as XXXX XXXX up until XXXX XXXX from this debt collector. I than blocked them and they called me on a different number. I literally could not keep my phone on me while working because of them constantly calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Wow! Just wow! You guys are making me sick with all this non sense youre doing on my credit file. I have gone so far in proving to you that I am a victim of identity theft to the point that I have already called the furnishers one by one and guess what? They have agreed to DELETE the accounts so why dont you delete them now? I dont believe that you there at Equifax have no time to tackle or review my complaints and Im sure you have seen my FTC report Ive sent. Dont you know you have instigated so much stress since youre still reporting this detrimental record on my credit file? You are damaging my credit file for this! I am a victim of identity theft and Equifax is neglecting my complaints by not complying with FCRA section 605B. Please DELETE these items for theyre not mine! I DONT OWN THEM! 

XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been late. XXXX XXXX XXXX
Product: Debt collection

Today is XX/XX/23 and I had called Check Into Cash a month or so ago asking if there was any outstanding balances owed. I was told there was no outstanding balance. I was not informed anything of wether or not the debt may have possibly been sent to a 3rd party collections agency or not. If that was the case, why was I not informed if there was still a debt being owed for that account regardless if it was sold? To my understanding, I do not owe any debt to Check Into Cash. That phone conversation can be pulled up and evaluated for accuracy of my claims. On XX/XX/23 XXXX XXXX contacted me via text regarding Check Into Cash loan. It was stated at the end of the text message that " this is an attempt to collect a debt ''. If that is true, I was misinformed by Check Into Cash for falsifying the details of my account with them. Due to this miscommunication, if money is indeed owed then the collections needs to be removed from my credit report immediately upon receiving payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to put on notice that Equifax received my letter today and starts the clock for them to respond to my request. I have included my letter with tracking and a certified mail delivery receipt with signature. As a courtesy, I have also sent this letter and return receipt to XXXX XXXX XXXX the State attorney general of Georgia and My state attorney general XXXX XXXX XXXX to ensure compliance and further investigation into the investigative procedures by Equifax and maintenance and processing of my credit file to ensure that ALL federal laws have been applicable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I am currently late every month on an account that they wrote off in 2019 as cancelled debt. They issued me a 1099-C that I had to include on my taxes. I am not currently late for any payments because the account is closed and should be reporting a zero balance. According to the law once a company has issued a 1099c for the debt, The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. It is being included in my credit score calculation incorrectly as well. Both Experian and XXXX are reporting this account incorrectly despite several dispute requests.
Product: Debt collection

As or about XX/XX/XXXX someone opened a credit card in my name with the company XXXX XXXX amount dont know As or about someone opened a account in my name XX/XX/XXXX with a company called Acima Digital FkA Simp amount I dont know
Product: Mortgage

I contacted SunTrust to refinance my mortgage. The loan officer informed me that I could take advantage of their portfolio  loans, which do not have mortgage insurance, but have very stringent requirements to obtain the mortgage. You need to have a salary in excess of {$150000.00} and {$100000.00} in reserve assets, among other items. I told the loan officer that my salary is less than {$150000.00} and I had less than {$100000.00} in reserve assets, but he assured me SunTrust could work around the requirements. He then billed {$940.00} to my credit card for a home appraisal and to obtain condo documents. Several weeks later, the loan officer told me I do not meet the requirements for the loan and asked for more than {$20000.00} in additional cash to post as reserve. As I stated from the beginning, I do not have such extensive liquid assets and so can not qualify for the refinancing. SunTrust has refused to refund my money that it charged for loan product that I did not qualify for from the beginning. Perhaps I am naive for believing the assertions of the loan officer, but he told me repeatedly " not to worry '' and that they would " figure it out. '' Now I have lost nearly {$1000.00} and the loan officer says he can not help me.