23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, an unauthorized user called into Macy 's Credit Card services and changed the name on the account from my name to their name using the self-serve phone tree and self validated using the last for of my social security. 

This person then made an unauthorized, in store purchase of fragrances on XX/XX/XXXX for a total of {$250.00}. 

I received an email asking me to leave feedback regarding my in-store purchase. I then promptly called in and reported the fraud / unauthorized purchases and requested to close my account. 

After I closed the account, the unathorized user then called back in and had a new credit card issued which they then did another in store purchase for {$350.00}, this time for watches. 

I called in immediately and reported a stolen card and again asked Macy 's to close my account. 

Then on XX/XX/XXXX, I was notified that Macy 's had issued another card to the unauthorized user. I called in and again reported the card stolen and again asked for my account to be closed. 

Then again on XX/XX/XXXX, I received a notification that a new purchase of {$120.00} was just made using a brand new Macy 's Star Rewards credit card in the authorized users name which using my social security number. I called in on the XXXX to escalate and have been told that the account will be closed and no further credit cards will be issued ( Same thing I was told the three past times ).
Product: Credit card

Citibank Visa Card - A fraud alert was turned on when I tried to purchase travel tix. The citi not only blocked the transaction, they blocked the card. No email, text or phone call was made to me to check if it is me making the transaction. I called the company and they stated they can only send a letter in the mail. I requested overnight mail and was refused. I offered to go to ( citi bank ) local office and show my ID to prove my identity and was refused. The bank stopped all my credit cards. No reason was given. 
I have had Citi Card thru XXXX for several years ( at least XXXX years ). The balance is always paid in full within 30 days. 
I asked to file a complaint with the customer service rep and was refused. The customer service rep stated that is their security procedure so they can't file a complaint against it. 
The bank shouldn't have the right to inconvenience me despite my offers to resolve it by providing the security info they needed. 
I have to wait for their snail mail to get here, which could be XXXX days. In the meantime, no credit cards with citi are working. Never been late on payments or even carried any balance over 30 days. I feel like I'm being harassed and inconvenienced. 
Thank You for taking this complaint on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inaccurately reporting my information not properly responding with full evidence of the investigation as requested breaking multiple laws in which I want to be compensated for if all inaccurate information isnt removed and they must show full step by step verification of the investigation that takes My full legal name is [ XXXX XXXX ]. My Social Security Number is [ XXXX ]. My date of birth is [ XXXX  ]. I am an individual and consumer as defined under 15 U.S.C. 1681a ( c ). This letter is a dispute of the completeness and/or accuracy of an item of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i. 

The item of information below that you maintain in a consumer file about me and publish to third parties is inaccurate and/or incomplete and I request that you promptly delete it from the file : [ XXXX XXXX Account XXXX Pursuant to 15 U.S.C. 1681g ( a ), I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. 

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). I have enclosed proof of my identity and current mailing address. Please be advised, this dispute letter contains sufficient information for you to legally act on it. Any delay tactics or needless requests for information will not avoid your legal obligations to me. If you fail to comply, I will seek damages, costs, and attorneys fees.

See 15 U.S.C. 1681n-o. 

Sincerely, XXXX XXXX
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 these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a Citi Access Account ( Checking ) XXXX in XX/XX/2023. My Initial Account Funding was completed via XXXX XXXX XXXX ( {$100.00} ). I enrolled in Online Banking access, which appeared fully functional, and began using the account as any Checking customer would expect. To confirm functionality, I successfully initiated External / XXXX Pull transfers from each of my existing banks : XXXX ( {$40.00} ), XXXX XXXX ( {$30.00} ), and XXXX XXXX  ( {$20.00} ). All XXXX of these transfers ( XXXX Debit, XXXXXXXX XXXX ) have completed, {$190.00} in total. That money now resides in a Citi Checking account which Citi has since restricted access to. I've spent hours on the phone with several agents and supervisors, who maintain that the phone number I provided ( ending in XXXX ) isn't " registered '' to me, and that I would need a landline for verification. I haven't owned a landline in my entire life, and no other business or bank has ever made such a request.. absurd. I have been lied to, hung up on, and shouted down by Citi employees, and I've barely begun any functional business relationship with them.. this is absolutely unacceptable and insane. I want my Checking account access unrestricted and restored. The account was working just fine when Citi decided to take {$190.00} with it... I want my access to my money back. I have proactively offered every form of verification I have multiple times, I'll make the same offer again here. Citi can not indefinitely freeze my Checking account and effectively keep my money, that constitutes theft. Let 's get this resolved and salvage some semblance of a working professional banking relationship? Thank You In Advance! -- XXXX
Product: Checking or savings account

XX/XX/XXXX I got emails saying my phone number and email were updated on my Chime account. 
I then had 4 different charges back to back to back 2 for XXXX one for XXXX and one for XXXX. 3 at XXXX XXXX and one other charge. 
So of course I see this, I freak out and email Chime multiple times. I said hey, someone else is accessing my account, it isn't me, several emails... they switched it back, the other party then changed it again and I panic and email Chime again and told them of the fraudulent charges that drained my bank account. 
They let me know that I can dispute the transactions once they were no longer pending. 
The next day, my email changes again and it isn't me doing it. I notify Chime of this. They switched it back... so that evening XX/XX/XXXX, I'm able to dispute the charges because I can use my app at that point .... next morning XX/XX/XXXX I see where I have a new card on the way, my funds are being refunded. Later that day I get an email... however I'm addressed as XXXX and not XXXX, and told my account is on hold. I'm enraged at this point and I email back saying my name isn't even XXXX ... and told them what was happening. 
I later get an email that my account is being closed and I won't get my money. 
Yesterday and today, I get an email asking for a picture of my ID front and back ... and a selfie of me holding my ID with a paper held up with name date on it. 
I did that twice yesterday because they said I didn't provide the documents the first time... same with today XX/XX/XXXX... I emailed them those pictures twice. I then received an email saying my account is closed and not getting my money. 
That account had every XXXX I had to my name in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting XXXX along with providing proof of debt payoff but XXXX is not correcting the credit report at their ends. XXXX is report 2 debt collection 1 is from 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 for {$21000.00} whereas I have proof that shows the account is now with XXXX XXXX XXXX does not conduct servicing or debt collection activities. So, you'll need to contact XXXX XXXX  to talk about the status of your loan. You can reach them at ( XXXX ) XXXX. Best Regards, XXXX XXXX. I have settled debt with XXXX and requesting XXXX to remove both negative balance from my credit report which XXXX is not agreeing with.
Product: Debt collection

XXXX ( eagle collection from XXXX IL ) called my #. All unrecognizable # s go to voice mail which this company didn't not leave. Called # back saying someone at my # owed money, yet refused to give me information about the call without providing my PI. Their # has now been permenetly blocked by telephone and telephone company. Companies like this can go XXXX themselves, especially when they wake me up while I'm sleeping.
Product: Mortgage

Re : Acct # XXXX Chase, loan servicer contacted us XX/XX/2022 advising home in foreclosure however will be given time to secure employment. Hope to obtain job and tenant before years end and need confirmation that my home will not be sold from under us. In the meantime XXXX relief being sought. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Direct deposit not available stolen by company. Accounting should be updated. Notice of FDIC insurance claim
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2022 I moved into a forbearance with my mortgage. I was assured that my credit would not be affected. XX/XX/XXXX they reported my balance had increased {$3400.00}. No information was sent to me on why it was increased. XX/XX/XXXX my escrow and mortgage was brought current since the forbearance has ended. After several fights of XXXX saying my mortgage did not increase and they never reported to my credit they lied and they did report to my credit. There is no Documation that my mortgage increase only that I was in a forbearance plan and the entire balance has been paid and on time. No one will give me answers as to why XXXX reported my balance as increasing. The recorded conversation on XX/XX/2022 of me asking for this information I was told they could not send me any information because they did not report it. 

The Experian reported false information without evidence to support XXXX claims. No evidence has been reported to me and XXXX XXXX says they never reported this
Product: Credit reporting, credit repair services, or other personal consumer reports

I know I have no credit at all but was not told that I would have to give credit companies sensitive information like social security card just to access my own credit report and allow access to an apartment complex Im trying to rent from. The complex cant even get past step one of background/ credit so now Im having to reapply because of credit card companies
Product: Credit reporting or other personal consumer reports

2 weeks ago recived my credit repor and noticed 5 accounts open thats not my 1like this accounts to b removed and investigated listed below 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Balance Owed : {$4400.00} ; XXXX XXXX  XXXX Balance Owed : {$4600.00} ; XXXX XXXX Balance Owed XXXX {$2700.00} ; XXXX XXXX Balance Owed : {$2200.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a ticket from XXXX in XX/XX/year> for XX/XX/year>, XXXX XXXX concert in XXXX XXXX, LA for {$1800.00} using XXXX buy now pay later feature. The night before the concert I realized that the XXXX listing was not what the ticket master ticket showed. I called XXXX and they said I was correct, and I would be covered underneath the XXXX. I emailed the tickets back to XXXX and received an email from them stating I would be refunded back to XXXX within XXXX days. I didn't receive the refund, so I did a dispute via XXXX for refund not received, however XXXX changed the reason to item not as described. I then reached back out to XXXX and was told I didn't receive my refund b/c i filed a dispute with XXXX. I filed the dispute b/c they didn't refund me. However, XXXX denied my claim for my money so now i am paying back XXXX buy now pay later the amount of {$1800.00} for which a concert that i didn't attend that night. I can't do anything with XXXX now b/c they closed the case. I was on foreign travel and didn't have access to my email. I am out {$1800.00} for something I never received. I just want my money back and provided both XXXX and XXXX all the documentation showing that I was due a refund.
Product: Payday loan, title loan, or personal loan

I received a copy of my credit report and noticed that Real Time Resolution XXXX is reporting as a revolving account and that is not correct. This was not a revolving line of credit this was set up as an installment loan. The problem with the mis-coding on my report is, it's making my credit utilization report incorrectly. I initially obtained the loan to pay off credit cards. The account was opened with one company then transferred to this company. There may have been some type of mistake inputting the loan with this company at the time of transfer.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, certified mail letters were sent out to all three credit reporting agencies : Experian, XXXX, and XXXX to dispute unverified items on my credit reports. I was simply just asking for some proof or verification of the information they have on file for me. It has been more than 30 days and I have yet to receive any proof of any sort of verification in regards to the information that I disputed. The information that is on my report continues to be unverified.
Product: Checking or savings account

On XX/XX/year>, I opened a checking account at the Citibank branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I used my XXXX and a non-US address to open the account. 

I received my debit card on XX/XX/XXXX and proceeded to fund the account by depositing a IRS tax return check for {$XXXX} and initiating a {$XXXX} bank transfer from my non-US account. 

On XX/XX/XXXX, I lost access to my account. An error message indicated that the system was experiencing delays. When I contacted Citibank 's customer support, I was informed that my account was under review for suspected fraud. 

On XX/XX/XXXX, the error message changed, and upon contacting customer support again, I was told that my account was being closed due to fraud. They stated that I would receive my funds within XXXX business days via a check mailed to my address. 

I was not given any opportunity to appeal this decision or provide documentation to support the legitimacy of my deposit and account activity. 

I am extremely frustrated by this situation. As a non-resident, I made a significant effort to open this account, and all of my actions were legitimate. I believe Citibank has unfairly closed my account and is withholding my funds without proper justification. I request that the CFPB investigate this matter and help me resolve this issue with Citibank.
Product: Debt collection

This alleged debt arise from a consumer transaction offered from XXXX.the services was accepted then respectfully returned. No goods nor services are in possession of the consumer. 
No debt is owed or need to be collected by XXXX XXXX. 
This debt is in fact inaccurate and unlawful. 
Receivable performance is in violation of my rights to privacy and in violation of the FDCPA 15 usc 1692 ( see ATTACHMENTS )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached letters, I have tried to resolve with company yet this information is still being inaccurately reported.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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: Vehicle loan or lease

I XXXX XXXX contacted the original creditor XXXX consumer use XXXX at that time I was informed that thi debt or collection is voided and invalided. this account was sold to Jefferson capital system on XXXX Jefferson fail to provided information to me about this matter this account do not blong to me I have no information about this debt I have provided a mailing address im requesting documents of this account and proff.within 30 days
Product: Credit card or prepaid card

Around XX/XX/2019, the bank froze electronic account access to my two credit card accounts. While the bank has my email address and phone number, I did not receive notification ( I am setup to receive notification ). I was not delinquent or behind as of XX/XX/2019. Around XX/XX/2019, I logged onto bankofamerica.com and found that I could not access any information or submit payments. Instead, all I saw was a message requiring me to call the banks phone number. When I called, I was told to verify my identity by going to a physical bank branch. I was not given an option to make payments ( by mail or by phone ). At no point until XX/XX/XXXX did the bank notify me of any security concerns. When I asked for a timeline to visit a branch, the representative told me there was no due date. However, on XX/XX/2019, I received a notice stating that all accounts and authorized users were closed out. Subsequently, I received a collection letter for around {$70.00}. 
I allege that the banks restrictions on my accounts were illegal and unfair. The bank should have at least reinstated my access to its payments or account information page when I called to inquire about the account freeze. At the time, the bank had other methods of verifying my identity via text message, email, or phone. The banks requirement to travel to a physical location seems to be unusual and inconvenient. Also, the bank did not accept or offer other methods of payment. 
Second, the bank acted illegally and deceptively when it suggested there was not a deadline to visit a branch ( per the recorded phone conversation ). The bank 's actions also affected authorized users, not just myself.
Product: Mortgage

This in regard to an existing complaint XXXX. This was closed but it was not satisfactorily solved. Wells Fargo septa communication indicating they need more information, but they did not identify the information required. Until I know what they need, I will not contact them. 

I need your help to resolve my complaint. 

Best regards XXXX XXXX
Product: Credit card

I am highly concerned about the appearance of this late payment on my account, as I have always made my payments on time. This matter is causing me a great deal of stress, and I respectfully ask that you rectify this error by removing it from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to access my annual free Equifax credit report since XX/XX/2018. The issue detailed below began before XX/XX/2018, and I finally called Equifax and they verified my information and mailed a report. I should be able to confirm my identity online as I am able to with the other XXXX credit bureaus. I believe Equifax is intentionally denying myself and others free credit reports in order XXXX XXXX business to their subscription based products. A quick XXXX search indicates I am not alone in being denied my free credit report. 

To retrieve free credit reports, I go to annualcreditreport.com, enter my identifying information and select the bureaus I want. I have been able to correctly answer questions posed by XXXX and XXXX to confirm my identity EACH and EVERY time I do this. However, every time I attempt to retrieve my Equifax report, I receive an error message stating my identity can not be confirmed and to mail about XXXX documents with sensitive personal information to Equifax and they will print and send a copy of my credit report. I believe this is an intentional strategy to force consumers to paid subscription services.