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

On XX/XX/XXXX, I found many unauthorized transactions from my Citibank checking account. Those were XXXX transactions and the amount was {$1700.00}. I immediately contacted the Citibank agent through phone call and opened a dispute for this case. At the time, those transactions were still pending status. But Citibank said an investigation will take 3 months and I needed to wait until they make a decision. So I waited 3 months but I didn't get any update. So I contacted Citibank on XX/XX/XXXX through a phone call and they said they resolved my dispute and by their investigation result, they think those transactions were correct. But it doesn't make sense. Because some of those transactions proceeded from offline store in the XXXX, but I left the XXXX on XXXX, XXXX and never have cameback yet. I'm still staying abroad until now, XXXX XXXX, XXXX. And the debit card that made those transcations is on my hand now. They are saying the person who lives in XXXX XXXX used the debit card in offline store in Michigan. It was 100 % the debit card fraud incident. I never give this debit card to someone and never shared an information to somewhere. Citibank couldn't dectect debit card fraud incident and charges damages to their customer by lying or doning nothing. They could know at least they tried to check XXXX from those stores and contact me while they investigate. They didn't do effort for their duty of due diligence. I sent a letter with evidence that can prove I'm staying abroad since XXXX, XXXX, for appealing their decision but didn't get any response yet. 

I'm attaching the appealing letter that I sent to Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

loan was paid its been reporting two different balance amounts this is inaccurate information being reported and under the section 809 of the FDCPA act if there's inaccurate information it must be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX there was a false identity theft report made by someone other than myself. On XX/XX/XXXX, I had an address added to my account which was fraudulent. On XX/XX/XXXX there was a federal XXXX student loan opened in my name as well. I filed police reports, FTC, and Identity Theft with the FBI. 

This company was notified once before these accounts were not mine, and never have been and they were informed of the identity theft matter beforehand. It once again was reported to the credit bureaus that I had yet another account from this defendant. I contacted them numerous attempts were made and only got automated replies and responses. 

On XX/XX/XXXX after multiple messages, and attempts to contact such said business, I have sent a refusal to pay letter certified, and according to FCRA regulations, this defendant has violated said letter by not removing said alleged debt from any and all reporting reports. A certified letter document was received on XX/XX/XXXX in their office. 

Refusal to pay guidelines to mandate immediate removal of and all reporting such actions from plaintiffs credit profile. Following received the letter, the defendant made violation of sending an electronic document to email. 

This complaint has two ( 2 ) violations on hand.
Product: Payday loan, title loan, or personal loan

My personal loan account with Mariner Finance was paid-in-full with good standing on XX/XX/2023, but Mariner Finance reported otherwise to all three credit reporting bureaus ( XXXX, XXXX, and XXXX ). The balance is showing as {$1200.00} when it should appear as XXXX and as a closed account.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

The attorney Timothy Runyon has garnished my tax return for the last 7 years. The debt was paid and I have proof. When I took him to court to discharge the debt he threatened me outside the courtroom by stating that if I did not give him {$2500.00} in cash that he would start the debt over every single year. How does a debt start over every year. The amount already paid should be deducted from the debt. Since I did not agree to give him the cash that day or within a week he started the debt over from the beginning. I have proof that he has been paid. He even asked me personal questions about my financial situation such as did I own a home because if I did he could roll the debt over to my mortgage. He also asked me why was I trying to get rid of the debt and was I trying to buy a home which I answered none of his questions. He and the judge are friends so the judge never gave me an opportunity to state my case because they are friends.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunions supervisor XXXX XXXX told me steps to follow to have an unauthorized hard inquiry removed when vendor refuses to cooperate Transunions file XXXX Ftc report XXXX All documentation was submitted via usps to Transunions address numerous times the last being XX/XX/22 Transunion refuses to remove unauthorized hard inquiry by XXXX XXXX of XXXX XXXX XXXX XXXX Since vendor refuses to cooperate Transunion said if proper ID and FTC report and letter are received the hard inquiry of XXXX XXXX will be removed Now I am told it can not be removed
Product: Debt collection

This company contacts me to collect on a debt and refuses to provide me with the proper documentation to verify the debt. I asked for all documentation in association with the account and was sent a 1 page statement from their firm and nothing from the original creditor. When I try to call them on their listed phone number it rings and rings and when they call me they use a blocked number. The last communication I had with them the collections agent refused to identify themselves until I said I was the person they were looking for, at which point she jumped right into collection efforts without disclosing her position as a debt collector as required by law. When explained that I had not received what I asked for and had no intention of claiming the debt as my own or making a payment on it until I did receive the requested documents I was told in a rude manner that they provided me all that they had and that if I didn't pay the account would remain on my credit report and continue to negatively affect it. I then reported the agency to the Nevada Financial Institutions Division for the breach of FCRA for their refusal to provide the requested documents, providing false statements that they did not have access to other supporting documents that I requested, and attempting to collect a debt without disclosing themselves as a debt collector. I have yet to hear from the agency and the account remains on my credit report. I can not get in contact with them as the phone still only rings and rings. It is my belief that after I reported them to the XXXX they are now ghosting em in an attempt to damage my credit and not allow me to work towards removing this account from my report since they are incapable or unwilling to provide proof that this account is in fact my responsibility.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> I am writing to file a formal complaint against XXXX XXXX, XXXX and TransUnion regarding their handling of a fraudulent bankruptcy entry on my credit report. This entry is the result of identity theft, and despite my efforts to resolve the issue directly with the credit reporting agencies, the problem persists unresolved. Below are the details of my complaint : Identity Theft Incident 1. Nature of Fraud : An unauthorized bankruptcy was filed in my name without my knowledge or consent. 2. Date of Discovery : XXXX, XXXX XXXX. Impact : This fraudulent bankruptcy entry has severely damaged my credit report and financial standing, affecting my ability to obtain credit and maintain a positive financial profile. 
Actions Taken XXXX. Reporting the Incident : I filed an identity theft report with Federal Trade Commission ( FTC ) ] Report Number XXXX. 
I have submitted a personal statement to the credit bureaus detailing the identity theft and requesting the immediate removal of the fraudulent bankruptcy entry. 
XXXX. Dispute with Credit Bureaus : I have disputed the fraudulent bankruptcy entry with XXXX XXXX, XXXX and TransUnion under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, which mandates the blocking of information resulting from identity theft within four business days. 
I have notified the credit bureaus that I am opting out of information sharing and withdrawing any consent for the reporting of this fraudulent bankruptcy.

Issues Experienced 1. Lack of Response and Action : Despite my disputes and identity theft report, the fraudulent bankruptcy remains on my credit report. Negligent Violation under 15 usc 1681o.

The credit bureau has not removed the fraudulent information in a timely manner, as required by 15 U.S.C. 1681c-2. This section of the FCRA requires removal of such information within four business days.

The credit bureau has not provided adequate verification or a satisfactory explanation for the continued presence of the fraudulent bankruptcy entry. 
2. Privacy Violations : The handling of my personal information appears to be inconsistent with privacy protections under 15 U.S.C. 6802 ( Opt-Out Right ) and 16 C.F.R. 313.7 ( Prohibition Against Disclosures to Nonaffiliated Third Parties ). My personal data has been improperly used, impacting my financial standing. 
XXXX. Non-Compliance with Fair Credit Reporting Act ( FCRA ) : According to XXXX XXXX. XXXX ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information. The continued reporting of this fraudulent bankruptcy indicates non-compliance with this requirement.
Product: Debt collection

As of XX/XX/XXXX, having the good faith belief that the small amount of information I received from the plaintiff '' ( Jefferson Capital Systems ) '' and plaintiff 's attorney ( XXXX XXXX XXXX ) ; might be accurate. I spoken with plaintiff and plaintiff attorney about reducing the debt amount from XXXX to what I agreed to the creditor '' ( XXXX ) '' in XX/XX/XXXX, for the amount of {$300.00} on a {$500.00} balance before class action lawsuit that was filed in XXXX, Ga for their predatory banking lending practices. I never received any notification so I assumed that my account was dissolved in the class action lawsuit, until I received correspondence from Jefferson Capital Systems stating they were suing me for a debt they claim to have rights to collect. When I reached out to plaintiff and plaintiff attorney upon receiving correspondence of a summon to resolve matter of debt in the amount of {$300.00}, neither was willing to work out anything based on the terms that was already presented to me by XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I transferred USD {$50.00} from my XXXX account to my checking account I have with Wise. After a few days of observation I noticed that the funds were transferred successfully from my XXXX account but when I looked at my checking account the funds didnt came in. I contacted Wise and was advised that they had changed my account details and closed the previous account ; which I wasnt aware of. If I had known I wouldve made the necessary changes that need to be done before sending but I wasnt aware until after they informed me when I contacted them. Then I was told that the bank would automatically reject the transaction and send back the funds to the sender ( XXXX ) within 5-10 days for domestic transfers and now its been 5 weeks now since I made the transfer and no one can tell me where my funds at, when I contact Wise they are sending me to query this with XXXX and XXXX is sending me back to Wise. I need help locating my funds and no one is assisting me in trying to locate my missing funds. Please help
Product: Mortgage

I applied with Bank of America onXX/XX/XXXX to refinance my home loan. On XX/XX/XXXX I authorized XXXX the loan representative to charge my Bank of America Credit card to pay for a home inspection and credit report. The total cost was XXXX. We still did not have any movement on this loan and never received the home inspection nor the credit reports. After three months we told XXXX that we would like the XXXX back and to cancel the loan application as it was taking to much time. He called us back and stated on the voice mail that he would put the credit back in to the card. At sometime the end of XX/XX/XXXX we applied with XXXX XXXX XXXX and closed onXX/XX/XXXX. We have been calling Bank of America for over 10 months and they have yet to return our Money. The fee for the home inspection that we never got was {$420.00} and to run our credit reports was {$15.00} each for myself and my spouse. To date we have not been able to get Bank of America to return our money. XXXX assured us that he would refund out {$450.00} when we told him to cancel the application. We never received our home inspection nor did we get our credit reports. So I paid for something that I never received.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a mortgage with Oceanside Mortgage Company. I have been making my payments all this time for years. suddenly without any notice, I learned that my payments changed. Oceanside stated that they are now paying my taxes and insurance. I was never given a notice or an option or anything. I informed them that I want to pay my own taxes and insurance. This mortgage company is acting illegally and are violating my rights. They did this as soon as I requested the payoff amount on my mortgage. I told them that I want to pay off the balance in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit monitoring alert in XX/XX/2019 that my credit report was checked by XXXX XXXX of Allied Mortgage. There was no consent given to Mr. XXXX to run my report. I had several telephone conversations with Mr. XXXX for corrective actions to have this removed from my report. Mr.XXXX agreed. I've sent mr. XXXX an email as a follow up, as well as contacting the Manager of Allied Mortgage. To no avail I have not received any follow up calls, emails etc and this unauthorized inquiry is still on my report affecting my credit.
Product: Checking or savings account

Capital one has not put payroll check and other deposits in account
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report from XX/XX/2022 and have found that my rights have been violated in accordance with the Fair Credit Reporting Act. 

15 U.S.Code 1681 Section 602 A. states that I have the right to privacy. Furthermore, 15 U.S.Code 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts have violated my rights : XXXX. XXXX XXXXXXXX XXXX 2. XXXX XXXX XXXX XXXX for {$88.00} 3. XXXX XXXX XXXX XXXX for {$100.00} 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. An unnamed medical account XXXX 7. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All of my Hard Inquiries on my XXXX report. All these hard inquiries need to be removed immediately because its identity theft. I did not give any one or these institutions permission to check my credit report XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXXXXXX XXXX  Inquiry : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Entered into subprime mortgage with Countrywide. Had a motorcycle accident. Immediately contacted HUD/FHA for mortgage relief while injured ( could not go to work, financial hardship ). Contacted by BofA regarding my requests. Sent to numerous mortgage counseling programs and representatives of different departments within BofA, all to no avail. BofA disregarded my qualified written requests as of why they were dual-tracking my mortgage and were deficient in providing me with mortgage foreclosure relief at the same time. In violation of RESPA, BofA never responded, but continued forward with their foreclosure actions by and through their attorneys XXXX XXXX XXXX in XXXX, Illinois.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report and noticed that the 3 credit agencies aren't reporting a score. this is messing up my ability to get a apartment. Not Reported - Code : 4. this is what shows on all 3 credit reporting agencies. 

Also I have disputed address that I have never lived at and they are still being reported. 

I am paying XXXX  each month for my credit reporting and score.