23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My bank account was compromised via identity theft on XX/XX/2022 and a fraudulent transfer was made from my bank account via XXXX in the amount of {$3200.00} at XXXX, Citibank alerted me through my Fraud Alert Prevention of this " suspicious transaction '' via email at XXXX and declined the Online/Mobile P2P Transfer. 
Subsequently 2 other Citibank email 's was sent at XXXX that they've blocked my Online banking account User ID for my security which was to prevent the fraud from occurring. 

At XXXX, i was alerted via Citibank Text Alerts about the Fraudulent XXXX and if I had authorized it. Since I was driving to Kentucky with my son, I hit both # 1 and # 2 on my phone at XXXX in response. 

They texted me back the following 2 texts at XXXX Free Msg Citi : Your transaction was declined. Please retry. Your account is ready to use. 

And a second similar text message to contact the Citi Fraud department at XXXX. 

I logged into my account via the Citibank App on the road traveling to Kentucky ; approximately in Ohio. 

I saw the transaction as " pending '' and called the Fraud department approximately XXXX and was transferred to several agents as the call lasted exactly an hour and five minutes and 44 seconds. 

After I got off the phone with Citibank, I saw an email from Citibank at : XXXX stating that " I, sent {$3200.00} to XXXX XXXX after repeated communications they declined to authorize the transaction related to suspicious activity of what they claimed had come from an IP address from Florida and/or Virginia of which was never authorized and to whom I have no idea of such person. 

At XXXX ; I received an email from Citibank stating that the " Payee ( s ) on my account was updated and under it it said " Removed '' however their was " NO Name '' of anyone that was removed ''. 

I would have also received a prior email from Citibank, of which I DID NOT, adding this person " XXXX XXXX '' to my bank account ending in XXXX as a payee of which I don't have nor have I authorized. 

It's currently pending investigation under XXXX. My identity and my funds were stolen and I would like to hold all parties responsible for their actions or lack of actions as it is a criminal offense. 

Subsequently, on XX/XX/2022 I receive another email alert from CitiXXXX at XXXX stating that they to have have " identified and flagged this as possible suspicious activity on my checking account. 
Yet the funds were released and processed by Citibank, hence it was their internal fraud protocols that failed them and I should be fully re-imbursed for {$3200.00} of what was stolen out of my checking account.
Product: Credit card

I 've had a Bank of America credit card account opened for the past three years, with an available line of XXXX dollars. Now recently, I 've had financial hardship. Hardships including Foreclosure on my parent 's home ( I still live at home since I 'm a full time college student ), an immediate family member in the hospital, and myself having to pay out of pocket for tuition. So overall, what had happened was I fell behind on my credit cards. I 've made arrangements on every single one, assuring I would n't be charged off. Out of the XXXX I have, Bank of America was the only one that essentially mislead me. I called on XXXX XXXX, telling them I was going to pay off my past due balance in full on XXXX XXXX. Their response? " No problem! I 'll make note on your account ''. So I figure that 's a good thing, right? Next thing I know, it 's XXXX XXXX and I ca n't log into my credit card account. I called the branch thinking it was just a technical issue, and they told me I was charged off the very next day? When I had arrangements? I told the representative that I had documented arrangements, and she told me she could see them. However it was n't " the right department '' that filed these arrangements, therefore could still give them the authority to charge me off. That 's just bad customer service, and if the wrong department made these arrangements, why give them the authority to look up my credit card information and essentially give me misleading assistance? I 'm very upset. I 'm XXXX years old, and now I have a charge off on my account ( that they refuse to reverse, since it 's 'out of their hands ' ). I need a solution to this, because I feel as if this was completely wrong. I ca n't say if this is illegal or not, I 'm not that aware of credit card laws. But this is n't right - XXXX person telling me what I did is sufficient to get my credit card back on track, and then the next day someone telling me rudely that I was n't responsive. Yes I was - I called the branch. That 's responsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened with XXXX XXXX under my name. I have provided an Affidavit of Fraud an Identity Theft Report Notice to The Federal Trade Commission as well as a complaint to The Federal Trade Commission. I did NOT open an account with XXXX XXXX. This is a fraudulent account and is not mine. 

XXXX XXXX has failed to comply with Section 609 FCRA by not providing the required documentation related to my dispute. 

XXXX and Transunion are not requiring XXXX XXXX to comply with Section 609 FCRA and provide to me copies of specific documentation related to the fraudulent account opened in my name. I have received NOTHING from XXXX XXXX in violation of Section 609 FCRA and The Fair Debt Collection Practices Act.
Product: Prepaid card

I have a {$50.00} prepaid Visa Vanilla Gift Card and it won't work anywhere. On their website it shows active with the full balance. I've tried to use it at a restaurant, XXXX and now online at 2 different retailers. I've tried to use it on a purchase less than the balance, more than the balance, and at the amount of the balance. Declined every time. They have no online way I was able to find to report a problem like this. So I'm relegated to waiting on hold for one of their customer service reps, which even getting into that que was an enigma. On hold for 30 min and couldn't wait anymore. I'm not even sure what to do since the sales of these cards are final. Seems like a scam to me. Something needs to be done, it only takes one look at the average 1 star reviews on the XXXX website to see that something is seriously wrong here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two dismissed bankruptcy listed on my credit reports. I disputed this information with each of the credit bureaus telling them that the information was inaccurate and was never verified. They ( XXXX ) responded in less than 24 hours telling me that they verified the information with the courts, which they did not. I called and spoke to a representative at the court and she said they would not submit to such a verification. I asked them to remove the information from my credit report and they refuse to do so. Unverified and/or inaccurate information can not stay on my credit report. Or send me proof of the verification that they say took place in XX/XX/XXXX2021. I am requesting proper debt verification from each bureau including all necessary supporting documentation. Now as of today ( XX/XX/XXXX21 ) I have received notification from Experian that I am a third party and they can not process my complaint. No one else is listed on credit report and I confirmed that all information was accurate.
Product: Debt collection

I disputed a XXXX XXXX bill on my credit report, XXXX removed the item 2 times and they keep putting it back on my credit report. As of XX/XX/XXXX it is back on my credit report. it was removed on XX/XX/XXXX XXXX file number XXXX. XXXX  XXXX XXXX , XXXX XXXX XXXX, XXXX Ma . XXXX { XXXX } is the credit collector noted on the report
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an items on the report that are inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Product: Credit reporting or other personal consumer reports

I placed some disputes with Equifax dated XX/XX/. I disputed late payments on closed accounts. The last reported late payment is greater than XXXX XXXX XXXX. The original credit report showed on-time payments and late payments. 
On XX/XX/, Equifax 's new credit report reported my own time payments as " unable to verify '' but reported the same late payments. As a result, my credit score dropped XXXX points. I never disputed my on-time payments. 
I reviewed my credit reports and there were no other changes. So removing my " on-time '' payments to " unable to verify '' payments decreased my credit score by XXXX points.
Product: Credit card or prepaid card

Chase keeps marking my purchases as fraud even though they were made by me and I keep asking them to disable the feature on my account. This is my fourth or fifth time where they flagged a purchase and made me call in and wait on hold for over 20 mi  utes just to unblock my account for a purchase I made. It has turned into a very serious issue where I feel that I can not reliably use my card when I need to. It shouldnt be this way. I need chase to deactivate their very poorly administered fraud prevention as it is causing me lots of issues when using my card.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documentation, including a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  as defined by the XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ). 

I respectfully request that you block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking through debt bondage, I request the removal of all related items and the deletion of associated company information from TransUnion. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Subject : Incorrect Dispute Comment on Credit Reports Causing Credit Score Harm Dear CFPB, I am filing a complaint regarding my credit card servicer, Indigo Platinum Mastercard, for incorrectly placing a dispute comment on my credit reports, which has resulted in a XXXX drop in my credit score. Indigo Platinum Mastercard stated that I filed a dispute under the Fair Credit Reporting Act ( FCRA ), and that the dispute has been resolved. However, I never filed a dispute regarding the information on my credit reports. 

What I did file was a complaint with the CFPB about Indigo Platinum Mastercards online payment system, which does not credit payments on the same day they are made. This has caused certain payments to appear 30 or more days late, which is not the same as disputing an item under the FCRA. 

Indigo Platinum Mastercards decision to treat my CFPB complaint as an FCRA dispute is a significant error and distinction. Under 15 U.S.C. 1681s-2 ( b ), creditors must ensure the accuracy of information furnished to credit reporting agencies. Filing a CFPB complaint about their faulty payment system does not constitute a dispute regarding credit report inaccuracies. By falsely categorizing my complaint as a dispute and placing that comment on my credit report, Indigo Platinum Mastercard has harmed my credit score unnecessarily and inappropriately.

This misclassification of my complaint has caused me financial harm through the unjustified drop in my credit score. Furthermore, Indigo Platinum Mastercards actions violate their responsibility under the Fair Credit Reporting Act ( FCRA ) to furnish accurate information to the credit reporting agencies.
I request that Indigo Platinum Mastercard immediately : 1. Remove all comments related to the alleged dispute from my credit reports with all credit reporting agencies.

2. Take corrective measures to ensure their processes accurately distinguish between complaints filed with the CFPB and disputes filed under the FCRA. 

Their failure to remove these incorrect comments continues to cause harm to my creditworthiness and was done without any basis under the FCRA. I ask the CFPB to investigate this matter thoroughly and ensure that Indigo Platinum Mastercard complies with their legal obligations. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Equifax, XXXX, and XXXX XXXX XXXX I am a consumer that filed a Chapter XXXX bankruptcy in XXXX, where I am paying my debts to a court trustee and have never missed a payment. The circumstances regarding the Chapter XXXX were due to medical issues, prior to this my accounts were in good standing. 
To improve my credit score, I have disputed a few items including pass addresses that were not associated to me but remain on my credit report. I recently, joined SELF a company that helps to improve credit, and advertised as a savings program. 
It appears to my dismay, after completing the program ( no missed savings payments ), my score went down 11 points with XXXX, 20+ points with Equifax and 59 points with XXXX XXXX My credit history with XXXX has never shown any positivity or improvement no matter how many times I have disputed information with them. XXXX continues to hold my score in the 500s which is utterly ridiculous. 
I called XXXX to discuss the reduction in my credit score and was informed by a representative that the company doesnt discuss credit scores, although I am enrolled in their credit monitoring program at {$24.00} a month. I am afraid to stop the program because I fear my credit score will go down even further. As a consumer, I feel the Credit Bureaus are not accurately reporting any improvements and keeping my credit scores low even though a Chapter XXXX is more favorable ( debts are being paid and not reduced or excused by the court as a Chapter XXXX ). 
I expressly feel that SELF may be selling an idea of credit repair, credit boost, or credit improvement falsely to consumers. I never saw my credit scores improve with any of the credit bureaus as evident with my credit scores reported on XX/XX/XXXX. 
What recourse does a consumer have? I want to see a fair improvement with my credit scores for all bureaus. So fair that has not happened. 
XXXX offers credit boost, however if you disconnect your bank information the score falls back to the 500s. I am seeking help with unfair credit reporting!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

In XXXX I received a report from one of the credit bureaus that my credit had fallen from the XXXX to XXXX because of being turned into collections. This is from charges from XXXX XXXX which I have never been a subscriber. I called them and they said the charges came out of XXXX. I live in Oregon and have never been to XXXX. This happened to me roughly a year ago involving XXXX XXXX with the charges again coming out of XXXX. I got that resolved as the fraud it was but it took a long time for my credit score to get back into the XXXX. We are trying to finance a new home and this is really messing things up with my now bad credit. The amount that is charged to me is {$2400.00} I believe. Last time it was around {$1500.00}. This has really affected our lives and will check into legal action as well. XXXX XXXX said they would get back to me in a timely fashion regarding this and I have heard nothing for weeks and weeks. XXXX XXXX obviously has a issue with fraud and it is evident they do not care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove ALL fraudulent accounts that are reflected on my personal credit reports, as I do not have any knowledge of these accounts. These fraudulent accounts are NOT accounts that have been authorized by me or any legal representative contracted by me. I have been a victim of several Data Breaches. 

The following listed accounts are accounts that are NOT accounts that belong to me and are fraudulently listed on my personal credit reports. The derogatory history and listing of these accounts on my credit reports have cause me grave financial damage and an irreparable financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2021. I sent letters to the bureaus and the creditor via certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. Its been well over 40 days and no results are showing. This is my next option before I take this up with my lawyers and sue for full compensations and damages incurred. Please investigate
Product: Credit card or prepaid card

I reacted out to pay my past due balance, scheduled a payment for XXXX, due date is set for XXXX. I adored if I payed last than the amount due would I be charged a fee the representative I spoke to said no and he would remove the late fee charged for XXXX statement. There was a credit for the late fee the XXXX payment posted and I received a notice of statement for XXXX and have a late fee for XXXX. I paid before the cycle due date for XXXX how do I incur a late fee?
Product: Debt collection

XXXX woke the debt to a company. There phone number is XXXX XXXX XXXX XXXX. They left messages on my phone and two of my family members phone saying that they have certified documents for me. I have the recorded message. The debt is {$200.00} and I am working with the original creditor. This company is impersonating as a legal entity and in violation of the law. I called and they refused to remove my number from their system even after I stated that I was working with the original creditor. I have no idea the name of the company and only know that their number is XXXX XXXX XXXX XXXX. I have a copy of the voicemail if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from Santander Bank I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to Santander to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was. 

Santander LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX. 

Upon closing the account out Santander changed the status of my account to no " more than 30 days late '' after I had to file a dispute with XXXX, XXXX and XXXX to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due! 

How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.