23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Grocery store located 2 states away notified me that an employee found " my '' debit card in the ATM machine. Card still has activation sticker and is issued to my old legal name. This debit card and associated account was obviously opened fraudulently. Have only the debit card number. Spoke with issuing bank ( Citibank ) and the most they would do was cancel the card. Citibank would not provide any further information, citing that they could not verify my account information or identity, nor would they at least freeze the account pending an investigation. They then directed me to contact XXXX and led me to believe it was within Citibank. Turns out it is FTC. I have already placed a fraud alert through a credit reporting agency and looked at 2 of my credit reports for any suspicious information. Since the credit reporting agencies deal with credit and not with bank accounts, XXXX advised me to contact the Consumer Financial Bureau, from which I was advised that I could file a complaint. I think Citibank ought to at least freeze the account in question pending a thorough investigation. Canceling the debit card while helpful is insufficient action since the card was already abandoned. I also need to know when, where & how the account was opened for reporting & investigative purposes. I can not track down the perpetrator ( s ) and press charges if I can not find that person ( s ).
Product: Credit card or prepaid card

To whom it may concern : My name is XXXX XXXX XXXX on XX/XX/XXXX I went to the XX/XX/11 in XXXX XXXX to get my rent money off my Netspend card. I swiped my card and there was no money on the card. I then called Netspend and was told that they had never received it. I then called Ssi and was told that they had sent the money to Netspend. I called Netspend back and they said the money has not been posted. I then called my card and was told that my available balance was XXXX. I then called Netspend back and they said it was sent to another account. I then asked the lady if the money can be transferred to my account. She told me that it couldn't be. So I asked to speak to a supervisor and she told me that my card had been cancelled and they would have to mail me another one. By the time I recieved the new card my check for the XXXX of XXXX had been deposited in that account my other check was in. I then tried to activate the new card and couldn't. I called Netspend back and they told me that they would have to mail me another one. By the time I recieved the new card it was XXXX the XXXX and another check was put in that account and I was still not able to activate it either. Now my landlord has put me out and I'm on the streets living in XXXX XXXX XXXX in a tent. I'm a XXXXyear old man have never lived in the streets. I have had all my things taken away from me tent and all. Everytime I called Netspend and asked to speak to a supervisor they hung up on me. It was until XXXX the XXXX when I recieved a call from Netspend they asked me for my address I told them all I have is a mailing address they said give it to them and they would mail me a check. It was on XXXX the XXXX when I recieved a check for XXXX. I then called Netspend and asked where was the rest of my money. The other XXXX they said in the mail I didn't receive any more money until around XXXX the XXXX after I called Consumers financial services. One hour later I recieved a call from Netspend they asked me if I had a active Netspend card I said yes the lady asked for the numbers on the front of the cardi gave them to her she then put my XXXX on the card. She asked me to check the card and see if the money was available. I did and it was I then asked her what about my housing she then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a huge variation in the credit scores of the three companies ( XXXX, XXXX   and Transunion ) XXXX and XXXX have a 1 point variation in my scores between the two of them and Transunion has a 50 point variation between the lowest of the two scores. I do not believe that they have correct information for my reports and they should investigate and advise why there is such a huge variance between them and the other two reporting agencies.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX, I logged in to my USAA ( United Services Automobile Association ) Checking Account ( XXXX ) and noticed that the amount of {$6700.00} was withdrawn from my account without my consent. I contacted USAA costumer service in regards to this withdrawal and I was told that the fund was withdrawn due to the Overdraft Amount. I paid the credit card # XXXX over draft amount on the XXXX of XX/XX/2023, so there should be no reason to remove the over draft amount from my checking account 5 days later. USAA customer service can only make request to return the fund to my account that could take 5-10 business days. I needed that money to pay my bills. I am making a formal complaint in regards to this matter with USAA for stealing the amount of {$6700.00} from my checking account.
Product: Checking or savings account

My checks were altered do to mail fraud .td bank made me wait for 4 months and then sent letter refusing to refund money. The police have report. This is genuine fraud which is no fault of mine. This is serious matter and has happened to many other people. XXXX cam supply letters and copy of my altered checks. Police even said its fraud. This is a disgrace that td bank makes there customers suffer when this is clearly there problem for excepting and cashing 2 checks. I appreciate anything thar can be done.i again would be happy to supply my info and copies of bank report. I am genuinely being ripped off by td bank and being taken advantage of. Thank you for your attention.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the continued presence of inaccurately reported accounts on my credit report, despite many attempts to have them removed. As a consumer, I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. However, your agency has not fulfilled these legal obligations in handling my case. The ongoing presence of these accounts on my credit report has caused significant distress and financial harm. It has negatively impacted my credit score and hindered my ability to access credit and financial services. I appreciate that you would help conducts an immediate and thorough review of my disputes and expedites the removal of the accounts on my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. Please help me remove these accounts immediately : XXXX XXXX XXXX XXXX : {$XXXX} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX : {$XXXX} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. 

XXXX XXXX Balance Owed : {$XXXX} - XXXX see things XXXX be inaccurate. XXXX looking at the account name, opening date, and high balance. I believe this information XXXX be inaccurate. XXXX removal of this item is necessary. 

XXXX XXXX  XXXX Balance Owed : {$XXXX} - This particular account is undoubtedly placed as a charge-off account, make sure you tell me the reason why an {$XXXX} balance is indicated on the statement that its charge-off. The balance is truly incorrect. You have to withdraw this from my file. 

XXXX XXXX XXXX XXXX : {$XXXX} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the XXXX reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX XXXX XXXX Balance Owed : {$XXXX} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX XXXX Balance Owed : {$XXXX} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX XXXX : {$XXXX} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Mortgage

CIT Bank, a bank that acquired ONE WEST Bank, has refused to validate information it is currently reporting to XXXX XXXX XXXX XXXX, Account number XXXX. I have requested this bank under the FDRA to validate the entry on my XXXX credit report and they refuse to do so. In addition, validation is not merely proof of my mailing address, but competent evidence that the information being reported is accurate. 

I have made numerous calls asking customer services to assist me to no avail as well as received the letter attached. 

Under the Fair Reporting Act, I do have the right to request the the original creditor validate information shared with the major credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My estranged Father XXXX XXXX XXXX, XXXX XX/XX/XXXX has a history of using my social security number and has negatively impacted my credit previously. I worked very hard back in XXXX to have all items which i found to be his removed from my name/credit. However, recently my family and i applied for a new home because our lease is up and the background checks are showing I have an eviction in Florida ( XXXX 's state of residence - False Eviction Record due to Identity Theft / Case # XXXX ). 

We reached out to XXXX for example to have this removed but still nothing has been removed and any property we apply even if using background check services other than XXXX my fathers eviction continues to show up under my name on all reports. 

I am almost positive if these people would check the birthday, place of residence they would see he is an older man living in Florida, they would see it isn't me. I haved lived and worked full time in NJ the past 16 years. 

Below is some additional information about my father that may help. He even has photos on XXXX in the house which he was evicted from in XXXX in FL. 

I looked up the public court record of the eviction and also reached out to the landlord and lawyer to let them know this wasn't me. 

Time is of the essence as my lease ends XX/XX/XXXX but no one is willing to rent to me & my family due to this error. 

I also am calling SS office tomorrow to request a new SS number as this has happened multiple times throughout my life but this is by far the worst he has done as it is now impacting my entire family. 

We also saw there is an open XXXX 's XXXX account in FL under my social which i am working on but this eviction is the most important at this time as my family & I need a place to live and this preventing us from finding one. 

Father 's Details XXXX XXXX XXXX XX/XX/XXXX Last known place of Employment : XXXX XXXX XXXX XXXX XXXX, FL ) Known Residences : Multiple locations in Florida such as XXXX Florida, XXXX FL, XXXX, he also resided in GA for sometime. 

Thank you in advance for your assistance resolving this situation, we look forward to hearing you as soon as possible, please find our contact information below. 

Our Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Violation of my 4th amendment right to privacy. They obtained my information illegally looking for someone I may or may not know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get the credit freeze off of my credit file for all 3 Bureaus with little to no success. I am looking for a new apartment yet the complex can not get in my files. I have never had any type of security PIN yet they keep asking me for one. I respectfully request any and all fraud alerts or freezes be removed from my file at once.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX. XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. 
This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, Thank you.
Product: Credit reporting or other personal consumer reports

This company has violated my rights as a consumer, since it has reported monthly the account XXXX... which is in XXXX off, this is something illegal.
Product: Payday loan

I borrow {$350.00} and now I 'm been treated unfairly .I did n't know I woke have to pay back {$1100.00} and charging me {$780.00} in finance charges otherwise I would n't have got this loan. I honestly do n't know what to do but I desperately need help. This is a straight robbery. The name of this company is Boulevard Cash
Product: Credit reporting or other personal consumer reports

I am disputing a collection account reported by XXXX. XXXX XXXX. The account was reported with incorrect personal information and charged daily interest on a debt I do not owe. I contacted the credit bureaus to dispute this, but they did not conduct a full investigation. I requested supporting documentation from XXXX. XXXX XXXX, including the signed lease agreement, itemized charges, proof of carpet replacement, and more, but they have failed to provide any of these documents. Despite this, the account remains on my credit report, negatively affecting my score. The original creditor has not proven that the debt is valid, and XXXX. XXXX XXXX has not shown they have the legal right to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT XXXX has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 
XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Payday loan, title loan, or personal loan

The title loan is paid off. I had asked for the legal title document to be returned to me. I expected it would be. Its been over a month. I'm still waiting for it. I have written and called with no response
Product: Checking or savings account

Three charges, {$110.00}, {$110.00}, and {$150.00}, each with a processing fee of {$8.00}, totalling {$390.00} were made from my account on XX/XX/2020 to 3 separate prisoners in XXXX County Sherriffs Inmate Canteen.

I first called the sherrif, who said they had nothing to do with it. I then contacted the withdrawing company, but never heard back. I was not able to do anything with the bank right away, as " pending '' charges can not be disputed or stopped. When I saw that the charges had finished processing, I started a dispute, which was submitted on XX/XX/XXXX. 
A credit was put into my account on XX/XX/XXXX, and I thought that was the end of it. On XX/XX/XXXX, the money was removed from my account, with the only notice being a letter that arrived the day after. 
I called BBVA Compass and was told that my dispute had been denied, and that's all they could tell me ; they gave me another number to call for more information. 
The woman who answered at that number said that it had been denied because " too much '' of my account information had been used, and it took several questions for her to tell me that the problem was the fraud including my 3 digit security code. She then asked if I was sure that I didn't know the prisoners, and whether a roommate might know the prisoners. I do not know them, and I do not leave my physical card anywhere, and I do not know anyone who knows 3 prisoners in XXXX County Jail, which is 130 miles from where I live. 
She said there was no other explanation for the use of my security code. I said every online cart asks for it ; it could have been saved in that way, along with all the other necessary information. She said that " almost never happens. '' I insisted again that no one I know had made the charges, and she said they would look into it again and one of two people would get back to me. I have given them plenty of time, but have not heard from them since.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

XXXX never gives me enough information, just says its was verified but they are not investigating this properly! This is not debt I owe but somehow is on my credit report when it shouldnt be!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1000.00} XXXX XXXX  XXXX A XXXX Balance : {$2700.00} XXXX XXXX Balance : {$890.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8500.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Debt collection

I am writing to file a formal complaint regarding an account listed on my credit report, which I believe to be inaccurate and unjustified. Despite my previous attempts to address this matter directly with the reporting entity, they have failed to respond or provide any documentation supporting their claim, as required by the Fair Credit Reporting Act ( FCRA ) under Section 609. 


I have made multiple attempts to resolve this issue by sending both mail and email communications to the creditor, requesting validation of the alleged debt in accordance with the provisions of the FCRA. Specifically, on XX/XX/, I sent an email formally requesting proof of the debt in question. Regrettably, despite the considerable time that has passed, I have received no response or acknowledgment from the creditor. 

Under the FCRA, Section 609 ( a ) ( 1 ) ( A ), consumers have the right to request verification of any disputed debt from the reporting entity. Failure to respond to such a request within 30 days of receipt constitutes a violation of this federal law. Furthermore, Section 611 ( a ) ( 5 ) ( A ) of the FCRA mandates the removal of inaccurate or unverifiable information from credit reports.

Given the lack of response and failure to provide any supporting evidence, I believe it is evident that the creditor 's reporting of this debt is erroneous and inaccurate. Therefore, I kindly request your intervention and assistance in addressing this matter promptly.

I kindly request that the Consumer Financial Protection Bureau take the following actions to rectify this situation : Initiate an investigation into the alleged debt and the creditor 's failure to respond to my previous communications as required by law. 
XXXX the creditor to provide me with the requested validation of the debt in question within the statutory time frame. 
Instruct the credit reporting agencies to remove the disputed account from my credit report until such time as the creditor has provided sufficient evidence to substantiate their claim. 
Take appropriate enforcement actions against the creditor for their non-compliance with the FCRA. 
Enclosed with this complaint, please find copies of my previous correspondence to the creditor, including the email dated XX/XX/, as evidence of my attempts to resolve this matter amicably. 

I greatly appreciate your attention to this serious matter and your assistance in helping me rectify the inaccuracies present in my credit report. Please feel free to contact me should you require any further information or documentation.