23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, my Citibank debit card number and pin was used without my permission. This was the first charge in a serious of multiple fraudulent transactions. My debit card was not lost or stolen, and is still in my possession. The fraudulent charges are as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX, Ca {$8000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX, Ca {$8700.00} XX/XX/XXXX XXXX XXXX XXXX, Ca {$6.00} XX/XX/XXXX XXXX XXXX XXXX XXXX, Ca {$3300.00} XX/XX/XXXX XXXX XXXX XXXX, Ca {$6900.00} XX/XX/XXXX XXXX XXXX XXXX, Ca {$8400.00} XX/XX/XXXX XXXX XXXX XXXX, CT {$6.00} XX/XX/XXXX XXXX XXXX XXXX, Ca {$8100.00} XX/XX/XXXX XXXX XXXX XXXX, Ca {$8100.00} This charge was 2 minutes later XX/XX/XXXX XXXX XXXX XXXX XXXX, Ca {$6.00} returned to the debit card XX/XX/XXXX XXXX XXXX XXXX XXXX, Ca {$6.00} XX/XX/XXXX XXXX XXXX XXXX, CT {$6.00} returned to the debit card On XX/XX/XXXX I noticed the fraudulent transactions when I accessed my bank online. Alarmed, I informed Citibank of the unathorized transaction via telephone. I requested that they shut the card down immediately. This call was on a recorded line. I asked the service agent why I was never notified via text message or phone call about these charges. On XX/XX/XXXX there was {$16000.00} charged in 4 minutes. On XX/XX/XXXX there were 4 charges at 4 seperate XXXX XXXX  that were in different cities. There were charges made at XXXX XXXX in XXXX The agent informed me that my account was not enrolled in Citibank 's fraud protection. They informed me that the charges would be reversed, and they would launch an investigation. 
Five days later on XX/XX/XXXX I recieved a letter from Citibank informing me that they completed thier investigation, and determined I am responsible for {$51000.00}, the entire amount. No explanation was included in the letter. I called Citibank around XX/XX/XXXX to ascertain how they came to this conclusion. The agent informed me that it was the " result of the findings of their investigation. '' I was informed that I can appeal this decision in writing if I am dissatisfied with the outcome. 

On XX/XX/XXXX I recieved a letter from Citibank that they are investigating {$8100.00} of the charges. This contradicts the previous outcome stating I am responsible for the entire amount. I am confused as to why they are choosing only 1 charge instead of the entire amount. 

The electronic transfer funds act protects consumers from fraudulent charges if the bank is made aware within 60 days of the mailing of the bank statements. I alerted Citibank 44 days after the first charge. By law, I am entitled to find out the reason of Citibank 's denial. The reason given was " this was the findings of our investigation. '' Citibank did not enroll me in their fraud protection, and when my account was compromised, they are violating Federal law, and making me responsible for these charges. On XX/XX/XXXX I filed a police report with the XXXX XXXX Police department.
Product: Credit reporting or other personal consumer reports

My information was compromised in an XXXX Data Breach and Ive called and told Jefferson Capital Systems LLC that this account is i accurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/1987 XXXX SSN : XXXX Subject : Request for Correction of Personal Information Under FCRA Dear Sir/Madam, I am writing to formally dispute the accuracy of personal information in my credit file. I have noticed discrepancies that need to be corrected as per the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of being notified. 

Here are the details of the inaccurate information that I request to be updated : 1. **Incorect Information : XXXX XXXX ADDRESS XXXX XXXX XXXXXXXX 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 NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Correct Information** : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX According to the FCRA , you are required to re-investigate the items in question and modify, delete, or permanently block the erroneous information from my file if it is found to be inaccurate, incomplete, or can not be verified. 

Please ensure that the necessary changes are made and send me a written confirmation of those corrections. Should you require additional information or documents to complete your investigation, please feel free to contact me directly. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Kohls charge, I asked to be on Covarid miss payment. For XXXX, customer service said okay that if I needed next month to call back. 
Received statement, they charged my account with a fee and now have to pay {$90.00}. Instead of {$31.00}. I asked for hardship program, they stated the payment would be {$45.00}. For 25 months. Plan on paying account off next year. My husband and I are trying, but my last day of work was XX/XX/2020. I am not collecting unemployment. 
I have worked with most of our other creditors, There are 2 others I can't seem to get help from either. 

XXXX XXXX and XXXX 's appliance
Product: Debt collection

Got a text message early today from phone number XXXX, saying I had to contact them about a failed bank transaction and that it was urgent for me to call them. 

So I called, and this guy by the name of XXXX XXXX answered, without identifying the name of the company not giving me a debt collection warning or anything. He was asking me to confirm my information, which he had already in hand ( name, date of birth, social security number, place of employment, and old bank account info. ). He was also being very rude. I kept on asking for his name and the name of the company and he would say it very fast and would get agitated. I told him I think youre a scammer and he went off on me. He started screaming at me, saying that it was a shame that Im a cop and I cant pay a {$400.00} debt. And that he was going to give me a courtesy, but instead he threatened to file a lawsuit for  harassment and file criminal charges against me. 

He also stated that the debt was from a company called XXXX XXXX, and that he was representing them. I would repeatedly ask for his name and the name of the company he worked for and he rudely told me Learn English! And grab a pen!!!!. I was very offended by that. Rude and unprofessional! He stated he worked for a company called First Direct Mediation, based out of XXXX, NY. I also kept on asking to speak to his supervisor or manager and he was saying he had no supervisor or manager, that he worked for himself. All while raising his voice at me. I was at the doctors office on an appointment when this call happened. I told him I had to hang up because I was going to see the doctor and he still acted rude towards me and hung up on me. 

I then immediately searched in XXXX the name of the company and found the website and called and asked to speak to a manager. My call was transferred to a a gentleman named XXXX who identified himself as the operations manager. He seemed more reasonable and respectful. I told him about what happened and I asked if an individual named XXXX XXXX worked there. He confirmed to me and apologized about Mr. XXXX behavior. I also advised XXXX that I will be reporting this to an attorney at a consumer law firm. He apologized once again and said he will listen to the recording of the call with Mr. XXXX. 

I have spoken to an attorney at a consumer law firm and they will be taking action and investigate further into this company and the actions of XXXX XXXX. 

I submitted this report to the CFPB for record and so the CFPB can also see the abuse of debt collection companies and not much is being done about it.
Product: Vehicle loan or lease

I have mailed payments for my car loan to Capital One Auto Finance since XX/XX/XXXX with no issues. They have timely received payments, processed payments timely, and credit for the payments appropriately reported to credit bureaus on a loan with XXXX APR. On XX/XX/XXXX, I mailed a payment to Capital One Auto Financing like I have for 9 months. They received the check on XX/XX/XXXX or XXXX and did not timely process the payment. They are holding the check # XXXX in the amount of {$500.00}, adding on late fees, and trying to report a missed or late payment to the credit bureau. I have not had any issues of my checks being mailed and processed before the due date until I reported Capital One N.A. to the FTC for securities fraud. Now I am having issues with Capital One Auto Finance, who is engaging in a deceptive business practice, retaliating, saying they have not received my payment, sending me emails adding on late fees, and they are going to report my payment being late to the credit bureaus to harass me and harm my credit score causing financial injuries.
Product: Debt collection

Unfortunately, at the height of the pandemic, I found myself with a dental emergency addressed by Dr. XXXX 's office. I provided my insurance information, he took care of the matter, and that was it. Not the case at all!! For more than six months, I have been battling with his office and Capital Accounts Inc because, somewhere along the line, the billing office has submitted the wrong social security number on my claim, and XXXX XXXX has not been able to pay it. Both my insurance company and I have made multiple requests to remove my information from collections because the error needs to be corrected on their part. We have spoken with the office manager, who is extremely rude and refuses to take my information out of collection until they get paid. How do you penalize a patient for an error committed by your staff? I am seriously considering suing. Dr. XXXX is an excellent oral surgeon ; however, regrettably, he is surrounded by incompetence. I do not know who else to turn to, but I feel victimized by the inability to resolve this matter due to his staff 's ineptitude.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Mortgage

XX/XX/XXXX First Continental Mortgage paid {$5300.00} to XXXX XXXX tax office for property taxes. Even though they were sent a letter and paperwork informing them that we are 100 % tax exempt. Later, XXXX XXXX XXXX refunded First Continental Mortgage a check for {$1600.00} and mail the remaining balance to us. Which should have only left our escrow account {$3700.00} but we received a statement for {$13000.00} then {$9000.00}, {$8000.00}, {$7000.00}, {$6000.00} and now down to {$5300.00}. 
Payments made from XX/XX/XXXX to XX/XX/XXXX were returned stating that the amount was incorrect. But the mortgage payment amount changed every month. Now, this has messed up our credit because they are reporting we were late with payments, which is not true they just cashed the checks and returned them back to us. 
XXXX  of our family members ended up with XXXX and this put a decline in our income for a little while. We applied for a forbearance or loan modification from First Continental Mortgage. They declined to give us a forbearance or loan modification after they messed up our loan and credit.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXXXXXX 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXXXXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX And XXXX XXXX unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Flagstar is incorrectly processing my monthly mortgage payments and has applied late pays incorrectly, and refuses to apply {$2200.00} escrow payment to escrow balance as they incorrectly applied it to principal reduction. I have called twice and been on phone with them for over hour each time and they failed to fully comprehend the issue at hand. 

All mortgage payments have been paid on time. However they are applying my mortgage payments to cover what they are calling an escrow shortage. I called on XX/XX/XXXX while I was on XXXX XXXX military and called again on XX/XX/XXXX. No action on their part was taken. 

Fixing it means that they take the time and effort and resources to review the entire account, and collectively we come to the correct mathematical conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wonder where Equifax and XXXX get the bankruptcy status on my XXXX XXXX XXXX. I have never filed a bankruptcy. XXXX did not even report it this way. Not to mention, Equifax and XXXX wont fix the account after sending numerous letters and they wont give me an explanation as to why..CFPB please step up and remove this error
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has violated me as a consumer. I'm unaware how they've obtained my person information, but I did not give them permission to my personal information or consumer report per 15 USC 6802. XXXX XXXX XXXX XXXX began accessing my consumer report on June 2022-January 2025 for an amount of {$2400.00}.
Product: Credit card

To XXXX XXXX XXXX. 
On XX/XX/XXXX my husband purchased a Japanese sword on XXXX for {$560.00}. On XX/XX/XXXX he went back into e-bay to check if sword was mailed and get a tracking number. Nothing was done. He called sender who provided her cell number multiple times and was paid which she shouldn't have, She said she was mailing out package each time he spoke to her. Contacted Truist to get money back.There was no tracking number because she never mailed the item.XXXX was contacted also.Her name is XXXX XXXX XXXX XXXX. Item # and Order number will be provided to XXXX XX/XX/XXXX Truist was contacted regarding return of money because item was never XXXX spoke to XXXX case number XXXX. XXXX. There is also a charge for {$1.00} and {$55.00}. XXXX makes you pay a {$1.00} and will get back and then they charged us {$55.00} to speak to XXXX of their agents.who could not help us with fraud. They just hung up. We were not aware of the charge till the bill came. We are not paying either of those also. A few days later we spoke to XXXX at Truist XXXX case number. We were told that they are working on it. On XX/XX/XXXX we get a letter from Truist that the charge is valid. We called several times and said they are still working on it.They lied to us. We went to bank and that's how we found out it was closed out. Sent info to XXXX FTC and you.We are not paying these charges. We notified them in plenty of time Truist and e-bay. Truist states that if there is a fraud or scam charge on your card it will refund your card within XXXX business days per an oral conversation with Truist Bank.We have done that. We also notified the sheriff dept.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance {$320.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$3900.00} XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX  Account numberXXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

My recent Credit report is still showing the same Bankruptcy issue which I have already addressed to the XXXX bureau in my previous written complaints. The bankruptcy 's file date was incorrect and outdated. Make sure to provide proof that the filed date which you confirmed was correct. Send to my address a copy of the papers which shows that the bankruptcy was filed in XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some fraudulent inquiries on my credit : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I have reached out to XXXX  4 times with zero resolution! 

My name is XXXX XXXX and I am demnading these inquires to be reomved from my credit pursuant to 605B. I have wasted 4 months trying to remove these.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report with no clear explanation as to why they are there. I regularly check my credit report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, hoping it was a simple glitch, but the inquiries were still present. Im extremely frustrated and urgently ask that the documents I submitted are thoroughly reviewed to ensure this issue is resolved once and for all.