23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Fraud was committed on credit card on XXXX XX/XX/year> by a XXXX XXXX for XXXX EUR. 
Dispute was noticed on XXXX XXXX shortly after the charge posted for XXXX EUR. 

On XXXX XX/XX/year> I was notified that the dispute was closed against me automatically and that I am liable for the disputed purchase. 

I want Citi Bank investigated for not protecting me from fraudulent charges even though they claim to and not investigating fraudulent charges. I would like my money refunded to me for charges I did not make, that Citi said it would protect me from. The card does not have a PIN even though I want it to have one for security purposes. 

I did not make this transaction, the credit card company Citi did no due diligence to contact the merchant and to prove that it was valid or that I made the purchase. They made no attempts to get billing receipts from XXXX XXXX XXXX. 

Citi bank credit card representative said because a physical card was used for the transaction, and because transactions were made after the transaction, the dispute is automatically resolved in the merchants favor. This makes no sense, and they are clearly trying to shirk their responsibility. The Citi employee I spoke to refused to reallocate the dispute or re-open it as services not rendered. 

I attempted to reach out to XXXX XXXX XXXX and was not able to even get in touch with this merchant as they exclusively speak XXXX, a language I can not even speak. XXXX does not even offer individual consulting services, they only do marketing to businesses. This case is so obvious I am shocked that Citibank Credit card services can harm consumers and get out of their contractual obligations with no consequences.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I. Nature of Dispute This letter disputes the accuracy and completeness of the information reported on my credit report concerning account number XXXX. The report inaccurately reflects ongoing monthly payments on this account. 
II. Factual Basis for Dispute 1. No Payment History : I have never made any payments towards this account. The reported " monthly payments '' are en>rely inaccurate. Even though they are showing payments being made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the alleged creditor for this account. I spoke with a represents verified by badge number XXXX. During this conversion on, XXXX confirmed that the reported payment history is inaccurate and that I have never made any payments on this account. 
3. Statute of Limitations : Furthermore, under applicable U.S. law, credit reporting agencies are prohibited from reporting on defaulted accounts that have not been actively pursued for collection or judgment within a specific timeframe ( the statute of limitations ). Given the complete lack of payment history, there can be no recent collection activity, rendering this reported account outside the permissible reporting window. 
III. Requested Action Based on the above facts, I request that credit agency Investigate this dispute with all due diligence and contact XXXXXXXX XXXX XXXX XXXX XXXX to verify the accuracy of the reported information. 
Delete the inaccurate information regarding " monthly payments '' and any reference to this account from my credit report. 
Reflect in my credit report that the statute of limitations has expired for any potential collection activity on this account. 
IV. Conclusion The inaccurate reporting of this account is demonstrably false and potentially damaging to my creditworthiness. I trust that credit agency will take swift and decisive action to correct this error and ensure the accuracy of my credit report. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card

I contacted them the day the charge was put on my statement, which was on XX/XX/2023. I asked them to freeze my card, they did, but they money was pulled out anyway. I asked them again XX/XX/2023, to dispute the charge, they put a temporary credit on the account and then reversed it in favor of the 24-7 towing. I told them they never came or preformed the service. They told me because of the cancellation policy 24-7 towing had they validated the charge in favor of them. I never received a confirmation number from the 24-7 towing, only a text asking me if I cancel the service, and I relied " Yes ''. I asked them for a confirmation number and I never heard anything else. I told this all to Discover, but they voted in favor of this company. I asked for the invoice from 24-7 towing sent them and Discover never sent it. They told me to file a complaint with GA State Attorney 's office. So I did.
Product: Mortgage

First I decided to see if I was going to do a mortgage modification with a company by the name of XXXX XXXX XXXX out of XXXX XXXX, California but they didn't do anything. XXXX decided to reverse my first and second mortgage applying a {$42000.00} balloon payment. So I've decided to reject that modification despite given them XXXX trial payments of {$440.00}. I've been working to make my balance current, but XXXX decided not accept any payments from unless its all paid at once of {$2300.00}. Right now in my mortgage suspense account has {$870.00}. I've been dealing with this company since they were XXXX and rejected {$930.00} was rejected from my bank account. I'm trying to keep everything current but they won't comply and are always screwing up the figures. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  refuses to remove td bank inquiries
Product: Mortgage

The servicing of my mortgage was recently moved from XXXX to ServiceMac. Just before the transfer, in XXXX, XXXX was working on removing the PMI from my loan, because I had reached over 20 % equity. The current balance of my loan is {$350000.00} and based on my amortization schedule that puts me at 77.8718 % resulting LTV %. On XX/XX/2021, I sent an email to ServiceMac 's mortgage insurance email address stating the same. They responded on XX/XX/2021 saying that they had received my completed PMI removal request, going through the notes the prior servicer did not complete the processing of your request, but they have opened a task to have a PMI Waiver specialist process the request. On XX/XX/2021 I responded with a thanks, and asked to be contacted one it had been completed, reminding them that I had yet to make my XXXX payment. On XX/XX/2021 I logged into the portal to check to see if this had been done but noticed my monthly payment due was still reflecting the PMI amount. I called customer service and spoke to XXXX who looked into my account and said that the processing of the PMI removal had been CLOSED due to not finding the paperwork!!! I told her about the XX/XX/XXXX email and she had no record of it. I asked her to contact the mortgage insurance department and she said someone would get in touch with me within 24 hours. It is now 24 hours and I logged onto the portal and my monthly payment due was still reflecting the PMI amount. I have responded to the email chain again, but I believe this is my last recourse to try and get this resolved. ServiceMac has terrible recordkeeping and communication with customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX, PA. XXXX I previously sent a letter to you disputing the accounts listed below as being inaccurate on XX/XX/XXXX, and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on XX/XX/XXXX. As of today, I have yet to receive a response from your bureau. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you are permitted 30 days to investigate disputes from the time you receive them I am assuming that since you have failed to respond to my dispute within the time allowed that you were unable to verify these items. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. Enclosed you will find a copy of my original letter showing all the accounts I have disputed. Thanks in advance to your timely response to this request.
Product: Mortgage

My mortgage was taken over by XXXX XXXX XXXX in 2015. When they took over they notified me that our previous lender, Bank of America, had not applied our payments to our loan for at least 2 years. Because I am under Chapter XXXX bankruptcy I am protected AND BOA sent me a statement each month showing payments were received and I was paid in full each month. So I reached out to BOA and they sent me my 2 year payment history - I 've looked through it and ca n't figure out where my payments were sent. BOA denies any fault however, XXXX XXXX refinanced my loan to catch the loan up and make up for the 2 years of missing payments. My problem is I ca n't get BOA to accept fault and tell me where my payments went. I 'm even considering getting a lawyer involved but I do n't want to if I do n't need to.
Product: Checking or savings account

Hello, On XX/XX/XXXX, over XXXX dollars was taken from my checking account with Chase bank through a fraudulent XXXX transaction. I was told the issue would be resolved in 10 days by multiple agents including at the branch itself. They gave me a temporary credit of the money after I complained about the wait time but they made it clear that if they determine me to be at fault for this hack, they will automatically withdraw the money from my account again. 
Last week I called Chase because they accidentally put an extra XXXX dollars in my old account from a bank error ( admitted on their end ) and told me that I will just have to wait it out. I told them that the account was compromised and I needed the money out ASAP since it might just be taken again. They couldn't help me and I just needed to wait for it to be resolved which took over 24 hours. Luckily the money DID disappear ( I'm assuming Chase did it ) but they are still crediting money to the old hacked account ( such as vendor refunds and such ). On the same call I asked for a status on my claim and they told me I have an expected resolution date of XX/XX/XXXX. After I told them about how I was quoted 10 days, I was told they couldn't help me and after I asked for a manager, the rep refused to transfer me. I get that I have a temporary credit but this is money I can not spend since they made it clear they could take it back if they decide that I was at fault for the hack or they think it was valid. 
I've provided the email explaining the temporary credit and two call snippets. One admitting that they put money in my hacked account by mistake and the other telling me my resolution date. 

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

On XX/XX/2023 i got a fraud alert on my equifax XXXX XXXX consumer reports. i immediately gave both agencies a call about this fraudulent hard inquiry. they informed me that the fraudulent hard inquiry would be removed within 24-72 hours. i provided both companies with an FTC report, CFPB report original copy from XX/XX/XXXX, XXXX i also made reports with the XXXX & Attorney General of Oregon complaint center.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my wife and I applied for an auto loan at XXXX XXXX of XXXX. XXXX subsequent banks also filed an inquiry that day. My wife was not sold on the car or terms so we later in the day attempted to do an application that day at XXXX XXXX of XXXX. This dealership nor XXXX XXXX XXXX could pull credit. We have been on the phone most days for the past week totaling XXXX hours and counting trying to reach someone to help us. We have sent in a package of documents that have still yet to be received by Equifax, even after sending them overnight. We finally found out today, XX/XX/XXXX that now our credit reports are mixed together which is why we are having issues. I have been told to once again send in paperwork to prove my identity along with my wife. I am tired of spending money to have our issues fixed and Equifax continues to do nothing. I was told this morning I could dispute and upload the documentation through My Equifax this morning, and we noticed only my information is wrong. Her name is now all over my personal information page ( Name, SSN, DOB, Employer ). I did the dispute and uploaded all documents from the list, however now she is seeing the disputes in her MyEquifax so now I am impacting her report. This is absolutely absurd. No ones information should get merged without first validating what they receive. Now I can see all of her personal information, however what if this was a stranger?? A company doing business like this puts people at risk for fraud. Our jobs also pull background and credit checks- if this is not fixed this can cost us our livelihood. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below 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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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

I am the co-signer on a mortgage entered into by my daughter, XXXX XXXX, under XXXX, which was bought out by Freedom Mortgage. She receives Social Security XXXX payments for having XXXX XXXX, but was able to go back to XXXX XXXX. and receive a degree, and is now in the second year of graduate studies in XXXX XXXX. She was never notified by XXXX that there was anything wrong with her payments, but just within the past week, Freedom told her that her her escrow was short by almost {$17000.00}, and that they were <tripling> her payments, from some {$850.00} to {$2600.00}. XXXX is not able to work, and I receive only an employment pension from the XXXX XXXX XXXX and have an advanced case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and this increase would do considerable harm to us. Although we have tried to obtain a complete history of payments into and out of the escrow account, Freedom has never explained to us just why they think that the account is short by almost {$17000.00}. I also just noticed yesterday that even though my daughter and I paid her yearly house insurance premium in XXXX, Freedom has taken it upon themselves to insure the unit with another company and to disregard our own insurance, already paid, and have not answered questions as to why they are doing that.
Product: Credit reporting or other personal consumer reports

Affirm is reporting a balance on my credit report when the accounts has charged off. Also while the account has charged off they are still reporting on a monthly basis. I reached out to the company and ask to fix this. I also reached out the credit bureaus, all they do is dispute and ask them is this information mine and then send me back a 1etter stating that it is reporting correctly. 

I will also attached the credit report to show how its reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX has violated my rights. 
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.
Product: Credit card

Its been some months now and Capital One has received all of the necessary information and to this day. Theyre refusing to release the money from my late mothers XXXX XXXX Account to yours truly. To whom is the Executor of her Estate
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a home in another state while in XXXX, took care of it when got XXXX ( sold it ) however XXXX XXXX turned me in as bad credit while in the process of selling! They added charges and what ever he could because they knew it was being paid off!!!! 
On the statements it said I had 6 % interest, when got payoff, said I had 6.875 %? don't know why it changed!!!!!!!!!!
Product: Debt collection

The bank added an additional {$5000.00} on to the total amount of the loan. The price of the car was {$12000.00} when it was purchased. The loan was financed through Santander for XXXX  % and the total amount of payments, loan amount, and collection keeps increasing even after payments are made. There is no payment history in the website. The amount exceeds the amount the car was financed for, and there were unusual aggression tactics when calling customer service regarding the loan.
Product: Debt collection

XXXX XXXX XXXX Potentially Negative potentially negative icon show account button XXXX Account Number {$400.00} Balance XX/XX/XXXX Date Opened Collection account. {$400.00} past due as of XX/XX/XXXX. 

Status
Product: Checking or savings account

I filed a dispute against an unauthorized transaction : Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$59.00} When the scammer found out the I filed a suit against them that the transaction was not authorized they sent me a shoe I did not order that doesnt fit of course and now I am out of {$59.00} .The supervisor I spoke to at XXXX was a XXXX. He yelled and was rude and threatened me with overdrafts and fees because he said, We are debiting that money and do not care what you have in your account. 


How are we as customers suppose to feel protected if Chime allows scammers to take our money? 

I just want to feel protected and not pay this scammer. I feel like I am being extorted, forced to pay for something I did XXXX XXXX XXXX XXXX go XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit card or prepaid card

I have a credit card with the same company as my boy friend at the same address. We recently closed all of his accounts with the bank and one is late a month which I was going to make up when I get paid Friday. It's not issue I just had a medical issue and we were unable to pay it last month. Now I go into my account, first the letter they sent in my online account stated information I requested. I never requested any information from them on XX/XX/XXXX which is when it was sent. 2ndly I never gave them permission to run my credit on this date so it probably affected my credit score. Secondly they state that they are decreasing my credit limit because my credit score has dropped. I find that false information as I looked at the one on XX/XX/XXXX where I did request an increase and i have the document my score was XXXX, the one the ran without my permission on XX/XX/XXXX went up 12 points to XXXX. So false reasons given they're doing retaliatory action on my account because my boy friend canceled all of his cards and one is past due. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 2 years now I have been denied a fair & accurate consumer report by Transunion. On over XXXX occasions Ive submitted disputes along with proof of the inaccuracies and FCRA violations via certified mail. On XXXX occasions Ive received a generic verified response, & on XXXX occasions I received no response at all. Ive always had my suspicions that they were not actually reading my letters or properly investigating the information that Ive shown them is incorrect. So it was disheartening when XXXX XXXX XXXX of the House XXXX XXXX announced their findings that Transunion discarded disputes without investigation and have repeatedly violated the Fair Credit Reporting Act. Now I am sure that I have been a victim of this unfair practice. I can easily use my mortgage account on my consumer report as a clear, undeniable example. In XXXX of 2019 at the end of the month it reports as XXXX. In XXXX of 2019, the very next month, Transunion marked the payment as 60 days late. I was not 60 days late nor is this even possible to be on time at the end of XXXX but 60 days late in XXXX. I submitted this information, and again a true investigation was not done. I received a generic verified response. How is it EQUITABLE to me as the consumer to let the reporting agencies know that the information theyre reporting about me is inaccurate along with proof, but in their so called investigation they get to just ask the other party ( or not ) is this true and click a button? Along with this clear violation there are also XXXX other accounts listed on my consumer report that violate the Fair Credit Reporting Act. This has caused me unnecessary pain, stress, and hardship. As a result of Transunion continuously violating my rights after I tried to resolve this amicably, Ive also filed a complaint along with the violations & evidence of wrongdoing to Alabamas Attorney General, XXXX XXXX.