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

This claim is directed to CItibank , N.A . Specifically, I believe that Citi is in violation of its regulatory obligations under Reg E and the EFTA by rejecting a debit card claim that I filed with that institution, even though I provided clear proof of my assertion that the debit card charge at issue was unauthorized. 

Citibank 's Case ID for this matter is XXXX ( debit card ending in XXXX ) Here is the relevant background : In response to my completing an online survey, I was offered a choice of free gifts. I choose a set of XXXX XXXX  to be provided by a company called XXXX XXXX XXXX XXXX ( the " Seller '' ). The Seller sent me an invoice confirming that the only payment involved was one for {$9.00} for shipping and handling. I am in possession of an invoice from the company, dated XX/XX/2021, confirming that the " Item Tota '' for the XXXX XXXX was {$9.00}. Shortly after, I received the merchandise and, shortly after that, on XX/XX/2021, I received another invoice for the same product for {$100.00}. My Citibank account was debited for this amount on the same date. 

This debit is absolutely unauthorized. I never agreed, either verbally or in writing, to purchase merchandise from Seller and this is not a merchant dispute. The actions of Seller are improper and may be evidence of unlawful sales practices. However, what is of greatest concern to me is that a federally chartered financial institution has engaged in conduct in conflict with the provisions of Reg E.

I provided Citi 's debit cards complaint group with copies of all emails between Seller and myself as well as copies of two invoices for the same product, with the {$9.00} invoice clearly confirming that it was the only payment due. As I did not agree to purchase anything from Seller, the transaction was not authorized and, Seller had no right or authority to initiate a debit against my account for {$100.00}. Accordingly, pursuant to the applicable claim review provision of the regulation, my claim for {$100.00} should have been honored.
Product: Credit reporting

Equifax would not remove an authorize user card on my recredit report XXXX by XXXX card and XXXX by XXXX card
Product: Credit reporting or other personal consumer reports

I am disputing the reinsertion of previously deleted items on my credit report. I have already disputed this inaccurate information on my report and it was deleted, but it has now been added back on without any written notice. 
According to the Fair Credit Reporting Act ( FCRA ), an item can not be reinserted onto my credit report without written notice by the credit bureaus. I have not received any such notice and therefore, the reinsertion of these items is a violation of my rights under the FCRA. 
I am requesting that these items be deleted from my credit report immediately, and an updated credit report be provided to me. I am now filing a complaint. I will also seek legal representation if necessary, as this issue is wasting my time and affecting my mental health. 

Both XXXX XXXX XXXX have violated my rights!
Product: Credit reporting or other personal consumer reports

Milestone Mastercard has failed to post payments to my account as mandated by law. According to regulations, credit card companies are required to credit payments to accounts on the same day they are received. Milestone Credit Card did not comply with this requirement. Additionally, they charged me an annual fee of {$170.00} for a credit limit of {$700.00}, which exceeds the permissible amount under California state law. 

Furthermore, Milestone Mastercard contacted me to collect these funds, yet they proceeded to withhold the full payoff amount from XXXX XXXX. This practice raises serious concerns about their compliance with both consumer protection laws and fair lending regulations. By failing to credit payments in a timely manner and imposing excessive fees, Milestone Mastercard is not only violating legal requirements but also undermining consumer trust and financial stability.
Product: Checking or savings account

I opened a dispute on XX/XX/23 against XXXX stating that the item was damaged. XXXX offered a return service for refund/replacement. I could not return the item do to the item packing material being way to badly water damaged. Making it impossible to ship back do to it being to damaged/wet. XXXX refused to refund without return. So I had to open a claim. On XX/XX/23 I get a message stating that the case was closed and XXXX ( temporary credit ) was getting removed from my accounts on or after XX/XX/23. This will put my account negative or theyll take my XXXX $ which I should have access to but I dont since chase messed up badly and closed my account and is holding XXXX $ hostage. The issue was this investigation was handled incorrectly due to Chase not filing claim correctly. Chase stated on the reason for the claim was I returned or canceled this purchase but haven't been credited. this is false and nowhere near accurate to what I stated.
Product: Credit reporting

After sending back requested information, they still refuse to correct and/or remove incorrect information therefore when I apply for credit, I 'm denied because the fraud alert placed due to identity thief requires that they call me before issuing any type of credit in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit card accounts thats currently listed on my Equifax, XXXX and XXXX XXXX credit report are lost/stolen and all the charges and transactions are fraudulent and unauthorized : XXXX XXXX, {$2400.00}, XXXX XXXX XXXX XXXX, {$1800.00} and XXXX XXXX, {$1200.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

Subject : Ongoing Credit Reporting Issue - Fraudulent Transaction Not Resolved Dear Consumer Financial Protection Bureau I am writing to formally complain about a persistent issue that has severely affected my credit score and financial standing. Despite my previous complaint, which was resolved in my favor, the issue remains unresolved. 

Details : Account in Question : Credit card Home Depot Involved Parties : Home Depot and CitiBank Nature of the Issue : Fraudulent transaction In XX/XX/XXXX, I reported a fraudulent transaction linked to my Home Depot credit card issued by CitiBank. Following my complaint, Home Depot agreed to erase the fraudulent transaction from my account and assured me that my XXXX score would be corrected accordingly. 

However, it has now been two months since that resolution, and I continue to receive bills from Home Depot for the fraudulent transaction, which now includes interest charges. This ongoing issue is negatively impacting my XXXX score, preventing me from securing a mortgage. 

Attached Documentation : Copies of Home Depot and CitiBanks decision to erase the transaction. 
Copies of the new bills I received in XX/XX/XXXXXXXX 
I respectfully request that you investigate this matter promptly and take the necessary steps to correct my credit report. If this issue persists, I will have no choice but to pursue legal action against both Home Depot and CitiBank for the damages caused by their failure to resolve this fraudulent transaction. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX west XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear CFPB Team, I am writing to bring to your attention serious concerns regarding Experian 's handling of my privacy, my social security number being exposed during a breach, listing of multiple versions of names that arent mine, negative charged off/ written off accounts from 3rd party creditors violating my privacy listing on my credit report without my written consent, inaccuracies such as hard credt and soft credit pulls on my credit report, particularly those related to identity theft. Despite my efforts to dispute this erroneous, and privacy violations information, it appears that Experian has failed to conduct a thorough and proper investigation, as mandated by the Fair Credit Reporting Act ( FCRA ). 

I have submitted multiple disputes regarding my right to privacy negative charged off/written off accounts from 3rd parties without my written consent, fraudulent entries stemming from identity theft, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX yet the information remains unresolved on my credit report. Experian 's response to my disputes has been inadequate, with little to no communication about the investigation process or results. This lack of transparency and diligence raises significant concerns about their compliance with federal law and their commitment to ensuring the accuracy of consumer credit reports. 

The presence of incorrect information on my credit report not only affects my creditworthiness but also threatens my access to essential services such as credit, employment, and housing. It is disheartening to see that a major credit reporting agency may not be adhering to its obligations to protect consumers against inaccuracies and fraud. 

I commend the CFPB for taking action against Experian for similar practices and urge you to continue to investigate these issues. It is crucial that consumers like myself can trust that our disputes will be taken seriously and handled with the integrity and care that federal law requires. 

Thank you for your attention to this matter and for your ongoing efforts to protect consumers rights.
Product: Vehicle loan or lease

Im paying XXXX for a car that others are paying XXXX for. Very high intrest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX are keeping unauthorized inquires from the following companies on my credit report, XXXX has removed all inquires in question. 

REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRIES Inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry made on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there are unauthorized credit inquiries made by the company ( s ) listed above. To my knowledge, I have not signed any documents authorizing the company ( s ) in question to view my credit report. The listed inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter is appreciated.
Product: Debt collection

I used to live in a town home complex and moved out in  XXXX   XXXX  and have n't heard from them about any money I owe. I am now living in my own house that I purchased. According to  Professional Debt Mediation ( de bt collecting company ) I owe my old town home complex almost {$300.00} and there 's no reasoning as to why I owe them money. But I would think that on my credit report for buying my house, that was run back in the end of  XXXX   XXXX  that payment, would have shown up or I would have received a letter. I have blocked the phone number that has called me multiple times and I told them to stop contacting me. Now this company has sent me a letter saying I need to send a payment to them in  XXXX    XXXX   and I 'm living in  XXXX   XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, Ive opened a dispute with the Experian credit reporting agency, issued on XX/XX/22 via USPS ( priority mail ). Within the declaration provided details of the incorrect information they were reporting that I was contesting. I provided substantial documents including my government issued state drivers license and social security administration card to reflect as evidence of the only personal information belonging to me. I must mention, that is the 4th attempt regarding this matter. This is the 2nd formal request to remove the addresses on file that they are reporting as they do not belong to me and I have never held residence to either. Additionally, I added to reflect the information that only belongs to me as reflected on the aforementioned documents provided to them. Experian is violating my consumer rights as they are reflecting addresses that do not/never belonged to me and refuses to remove these addresses and reflect the address that I only ever lived in the last 2 decades. Every other consumer agency complied with my request except Experian. This is legally wrong. Please launch an investigation into this matter and allow for the removal of the addresses that they are reporting.
Product: Vehicle loan or lease

I requested an extension on past due payments during the pandemic. My car was repossessed then returned to me when the error was recognized. However thousands of dollars in fees were added to my account. In addition, I paid all required payments including additional payments pushed to the end of the loan. 

At the end of my loan I was told I owed more than $ XXXX in fees. I was told they were for various things. The explanation varied based on who I spoke with. Each time I tried to close out the loan prior to the end of the term. I was given inflated numbers. I tried to negotiate a buyout to no avail. This company repeatedly blocked online access for payment to. Their website is not set up to allow you to pay a single monthly payment t. They will accept the payment but you must call for processing. This entire process has been outrageous. Ive paid more than double of what I borrowed and they are still telling I owe them. Sometimes the explanation is payment pushed to the end of the loan. Other times its interest. They havent released my title and Ive made all of the payments required. 

I have emails inquiring about not being able to make payments on the portal because of the fees related to repossession. 

I have emails related to attempts to resolve this issue with what they called balloon payments
Product: Student loan

I have a loan with NELNET LOAN SERVICES. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and NELNET LOAN SERVICES with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 120-149 Days Late in XXXX, XXXX, XXXX, and XX/XX/2019 2019
Product: Debt collection

Constantly getting text messages from this group saying I owe money to something called The Department XXXX XXXX. They dont say which XXXX  XXXX XXXX just the vague XXXX  XXXX XXXX XXXX Ive checked with my medical providers and I dont owe anyone money so I suspect its a scam they are trying to pull. They seem to have my address but dont send a bill or any other information, just text messages so it seems like something fishy to me. 

Ive checked into them on the web and theres a lot of others who seem to be having the same scam sent to them. 

Heres a copy of a text message. 

Important message about your XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX National Recovery Agency is a debt collector attempting to collect the debt you owe to the creditor listed in this communication. We will use any information obtained from you to help collect the debt. 

Your account is still outstanding. Your immediate response to this correspondence will allow us to help you resolve this matter. 

Creditor : XXXX XXXX XXXX  Balance : {$82.00} National Recovery Agency XXXX XXXX XXXX XXXX PA XXXX XXXX Email XXXX www.nationalrecovery.com A Responsible Revenue Recovery Company To stop receiving text messages reply STOP Visit our mobile portal at XXXX? XXXXXXXX XXXX  XXXX Login to our secure Portal using ID # XXXX. Password is your 5 digit Zip code. 

Visit our website at XXXX? XXXX XXXX XXXX our Virtual Agent available for your convenience 24 hours a day 7 day a week XXXX or feel free to ask for an agent.
Product: Credit reporting or other personal consumer reports

I call and told the company that the account is fraudulent and I would like for them to check it out and remove the account and return my money from my account. They said they would refund me and they would take action immediately.
Product: Money transfer, virtual currency, or money service

As the first use of my Venmo account, a friend transferred {$360.00} to me as his share of an upcoming cost. To do the Venmo standard transfer, I had to prove ownership of my bank account. They offered XXXX ways to do this : through a third party called XXXX ( about which I later learned horrifying things ) or manually by verifying a sequence of small-amount deposits. Both methods failed, repeatedly. Phone help was no help and insisted I pay 1.75 % for the instant transfer option.

In other words, they are holding my money hostage and they want 1.75 % ransom. 

I want my {$360.00} in full, with interest back to XX/XX/XXXX, when they put this obstacle in my way.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report i noticed that ive been a victim of identity theft and found a credit inquiry i have no knowledge of, here is the inquiry that ive found : XXXX XXXX XXXX XXXX XXXX XX/XX/year>, please remove this fraudulent inquiry from my credit report. i also attached my identity theft report as well.
Product: Credit reporting or other personal consumer reports

I am formally disputing several violations regarding my credit report maintained by TransUnion. My report states that I have opted out of promotional offers and inquiries with no expiration date, and there is both a security freeze and a fraud alert in place. Despite this, TransUnion still provided my information to XXXX XXXX, which then sent me promotional offers only to later deny me credit without justification. 

Additionally : XXXX XXXX placed unauthorized hard inquiries on my report, which I did not initiate. I have reported this to TransUnion multiple times, yet no action has been taken. 
XXXX  XXXX is falsely reporting late payments on an account that does not belong to me. 
These errors have severely damaged my ability to obtain credit, leading to multiple denials for auto loans and mortgages. 
These actions violate consumer protection laws, and I am demanding immediate resolution. I expect : The removal of all unauthorized hard inquiries. 
The deletion of the inaccurate late payment reporting. 
Compensation for the financial harm and damages incurred due to these errors.
Product: Mortgage

I wanted to refinance with cash out. 

Quicken loans sent an XXXX and appraisal report came out lower than what comparables should have been, because the XXXX used smaller floor plans instead of same floor plans. 

When I researched I found out that Quicken hires and uses XXXX XXXX, which is a parent company. 

There is a clear " CONFLICT OF INTEREST '' since Lender/Client and XXXX are working for the same company!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir or madam, Im writing you in regards to a vehicle my wife and I punched from XXXX XXXX in XXXX ny on XX/XX/2016, we were under the understanding they ran our credit report and submitted it to there lenders for approval, instead they submitted applications to all there lenders and the all ran our credit I dont believe that we had given approval for them to do this, we are going to be looking to purchase a home, and when a lender spots all those hard inquires they are going to frown on that and it is going to hurt the interest rates they had run both our reports could you please help us Thank You!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX