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

On XXXX, Saturday. I received a phone notification from Chase mobile app, that there is a transaction of {$50000.00} to an unknown payee from my checking account directly. I see the transaction is payed to a company called XXXX. I XXXX  online it seems like a finance platform such as XXXX. I have never created account or done purchases on XXXX. 

I believed my account is compromised and called Chase to file a fraud dispute claim immediately. I was instructed to create a new online Chase account. Then, I noticed there is an unauthorized template for wire transfer created from Chase mobile app. The template is created for " XXXX XXXX '' who I never know. 

I also noticed on device access history, there is an unrecognized and unauthorized access from " XXXX XXXX XXXX, chase.com '' since XXXX. I remembered there is an email say my Chase account is accessed from a new device on that date. But the email is quickly deleted and gone ( by the hacker ). 

On XXXX, Monday, I walked in to a local Chase branch and created a new checking + saving account. And transfered my remaining balance to the new accounts. 

Also on Monday, I recevied a text message from Chase, asking if it was me making a {$50000.00} transaction. I replied " NO '' as prompted, the system says Chase won't allow this transaction now. 

Currently, my account is showing a balance of this {$50000.00} deducted. And the fraud, {$50000.00} transaction is shown as status " Pending '' in my old account still.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continually updates my credit report and each time I have contacted them for resolution. It appears they do not care, and in fact continually report in accurate information on my credit report. Firstly, they are reporting the Auto loan with XXXX XXXX as closed yet this account is opened. Secondly the amount owed is {$17000.00} and they put that the amount owed is XXXX XXXX XXXX XXXX dollars. Which is totally incorrect. Knowingly reporting false information, and abusing the FCRA rules. They also marked on this auto loan that it is repossessed and that its been late. Its never been repossessed. Its actuallt current, and I want these remarks removed and the account to be correct. 

Next on the list is that XXXX XXXX XXXX XXXX is reporting that I owe them credit cards, and also show me as an authorized user. I had identity theft and these charge offs were opened without my permission. I did notify XXXX XXXX. Secondly I have asked to be removed as authorized user countless times. They continually lie. 

Also, XXXX XXXX is reporting Charge offs. These accounts were also opened online, at an address I have never lived at. They were then charged off. I never once opened these credit cards, and currently have an investigation going with XXXX. 

Also I have never had an account with XXXX. I reported this to them many times but nothing has been done. This is a fraudulent account opened online, that I never received nor authorized. 

Lastly XXXX XXXX also show credit cards charged off, and a line of credit. They admitted to me they have wiped these debts off their taxes and books. They sold these off to third parties, and that they have no contract. Therefore I do not owe these debts. They were cancelled debts, not mine and I want my credit file updated promptly. Also I should not have any inquiries as I have not attempted to apply to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Nor XXXX XXXX, Nor XXXX XXXX XXXX. Nor XXXX, Nor XXXX XXXX or XXXX XXXX XXXX. Nor XXXX XXXX, Nor XXXX. Please remove these.
Product: Credit reporting, credit repair services, or other personal consumer reports

Even with a FTC Identity Theft Report and a police report. Transunion will not delete these accounts. I was told they couldn't block it. I have done everything in my power and by the law to get these accounts removed.
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments one for XXXX account ending in XXXX and one for XXXX XXXX  account ending in XXXX. These include a 30-day late payment posted on XX/XX/year> ( XXXX XXXX  XXXX XXXX ) and a 30-day late payment posted in XX/XX/year> ( XXXX XXXX  ). These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX  account number XXXX, XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX XXXX XXXX account number XXXX 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 consumer reporting Agency can not furnish a account without my written instruction
Product: Mortgage

My loan # XXXX with Shellpoint Mortgage has ended the Covid-19 Forbearance and I'm currently in a Trial Payment program necessary for the Loan Modification. I made the 1st trial payment, however the company still reported me to credit agencies as Delinquent. They are saying that since my trial pmts are not schedule to completed until XXXX, I will likely be reported as 90-days late. And this is when I have never missed a single pmt on any of my loans in the past 20yrs before Covid! Anyway, I made the combined payment today for the remainder of the trial pmts which according to their rep will accelerate the loan modification so hopefully this will work, but my credit rating has been damaged.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I filed two complaints to get the Extended Fraud Alert in my account with Equifax as XXXX and XXXX did. 

XXXX ) However, Equifax has not done it. 

XXXX ) Equifax conducted an investigation for a dispute with XXXX that was not submitted by me. The ID # is XXXX.
Product: Mortgage

We started the process of attempting to refinance our home back towards the end of XXXX may be the beginning of XXXX. We have been in communication with Navy Federal Credit Union about our refinance throughout the whole entire process, I have called in numerous occasions we had a loan processor by the name of XXXX XXXX who was working on our file at the very beginning, for over 4 months we never heard anything from Navy Federal Credit Union. We have had friends go through the process of getting their home to refinance since mortgage rates have dropped and closed within 2 months. However, our file is still in process. I have sent numerous emails to XXXX XXXX and made numerous phone calls into the company to get a status update. Then what is worst is that I would get a dialer systems customer rep to call me to tell me that our loan is still in process. But why in the world is this taking soooo long to process? Obviously, interest rates are down and we understand that the company may be busy with the processing but all documents have been submitted and to get emails from this representative asking and requesting for duplicate information and then to have our credit pulled numerous times just to qualify seems to be unreasonable. Even when I call in to speak with a supervisor in processing NO ONE is able to take my call, nor is anyone available. 

My file has now been transferred to another representative who had to re-pull credit and now is not able to be reached so that we can try to continue this process. We have been at this process for over 5 months and this is not acceptable. The new representative has now quoted us a much higher interest rate ( when interest rates are steadily on the decline ). The interest rate we were approved for was at 3.625 % now we are being quoted much higher than this. We are still waiting on Navy Federal to contact us so that we can take advantage of the lower rates, but no one is able to answer questions about the process and tell me why the rates are going up when all over the news and the internet I see rates going down.
Product: Credit reporting

I 've been dealing with the same problems year after year since I turned XXXX ( I 'm XXXX now ) when trying to check my credit, and while looking at my credit. FIRST, the questions that they ( the agencies, to be specific ) ask to verify my identity ( " your mortgage loan '', " your retail card '', etc ) HAVE NOTHING TO DO WITH ME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THEY ARE NOT MINE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Second, when I finally manage to view my credit report, there are fraudulent items that were created BEFORE I WAS XXXX ( I believe there are still, there were last year, but I am not able to check my credit AGAIN because of the questions that I do n't know, and that 's why I 'm here, again, because no one is doing anything ). And last time I was here, you all had a glitch with your site where I could not check the status of my complaint. I hope that is fixed now. Can I catch a break PLEASE. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company and asked them to remove the collection from my credit report due to the 7 year legal limit on debt collection in my state. The account has missing information ; including the account status showing as neither open nor closed. This debt should no longer appear on my credit report, creditor refused to remove it.
Product: Credit card

A company called CBNA/Citibank did a hard credit inquiry on me. This was not initiated by me. Is someone trying to steal my identity? 
They are located at : XXXX XXXX XXXX XXXX XXXX, SD
Product: Checking or savings account

I had a bank account opened and I see where Wells Fargo owes money to customers and Im wondering if Im apart of the customers because they closed my account for whatever fees. My name is XXXX XXXX XXXX number is XXXX ) XXXX
Product: Debt collection

I got call at XXXX. The Individual did not say first who or what company he was calling me about. He immediately started with my son 's first name ( XXXX ), asked if I am XXXX. I refused to answer. I asked what the " small debt '' was for, refused to get me the detail information. I asked to have a letter send to address on file, individual said " letter was already sent '', thanked me for the call, hung up. I called back at XXXX to verify phone number, individual answer no name or company name. I requested to have the name of the company that called me for a debt collection, Individual refused. After disputing with XXXX telling him by law he is required to give me the name of the company Receivable Recovery Partners. He said you will do nothing XXXX XXXX. Phone number is ( XXXX ) XXXX FYI NO Caller ID
Product: Vehicle loan or lease

I was a victim of identity theft and Santander had an account opened because of the theft that was dont to me.
Product: Credit reporting

I am in the process of repairing my credit and have sent over disputes of items that are reporting negatively on my credit reports. XXXX of the companies I submitted a dispute to was Equifax. I received a letter from them today stating that an investigation was completed and they received a information from a third part vendor called XXXX. Mind I have a security freeze that 's been in place since XXXX/XXXX/XXXX and the investigation was done and completed XXXX/XXXX/XXXX so how it is possible for them to verify information that is not available to them. I also noticed that a bankruptcy from XXXX that was not on my report prior to this dispute has all of a sudden re-appeared on all XXXX credit reports and since this dispute I have been receiving harassing phone calls from creditors whom did not have my information to being with. I verified that XXXX has my account on a security freeze since XXXX/XXXX/XXXX and they did not provide information to Equifax. This is under handed reporting is very unprofessional and has caused myself and my family more financial hardship.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 

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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, Missouri XXXX Date : XX/XX/2025 To : Citi Credit Cards [ Address If you have one for their correspondence, insert here ] Subject : Follow-up Regarding Disputed Account and Request for IRS Form 1099-C Dear Sir or Madam, I am writing to follow up on an issue I have previously brought to your attention regarding an account that you claim I held with Citi Credit Cards. In your response, you stated that a reply had been sent to me regarding my dispute. However, to date, I have not received any such correspondence.

I continue to dispute the validity of the alleged account, as I have no record or knowledge of ever having held any account with Citi Credit Cards. Despite this, my credit report reflects that the account was charged off. Upon contacting the Internal Revenue Service ( IRS ), I was informed that Citi reported this charge-off and is seeking a tax write-off for the amount allegedly owed.

According to the Internal Revenue Code, if a creditor cancels a debt of {$600.00} or more, the creditor is required to issue IRS Form 1099-C, Cancellation of Debt, to both the IRS and the debtor. This requirement is outlined under 26 U.S. Code 6050P.

26 U.S. Code 6050P - " Any applicable entity which discharges ( in whole or in part ) the indebtedness of any person during any calendar year shall make a return ... showing the name, address, and TIN of each person whose indebtedness was discharged ... and the amount of the indebtedness discharged. '' Failure to issue this form as required may result in penalties under 26 U.S. Code 6721, which addresses failure to file correct information returns. The penalties can range from {$60.00} to {$310.00} per return not properly filed, depending on how late the form is issued, with a maximum annual penalty that can reach up to {>= $1,000,000} for large entities.

Therefore, I formally request that you provide me with a copy of the IRS Form 1099-C related to this alleged debt. Please send this documentation to the following address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Missouri XXXX Should you fail to provide this information within a reasonable timeframe, I reserve the right to pursue further remedies, including filing complaints with the IRS, the Consumer Financial Protection Bureau ( CFPB ), and any other appropriate regulatory agencies. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Walmart credit card with Capital one. Refuse to accept challenge for four months of satellite radio. Called miltiple times. Requested new credit card number and received, company kept billing. Now have my card frozen and refuse to unfreeze.
Product: Checking or savings account

My Citibank account has been closed on account of suspected fraud ( the activity was proven to not be fraudulent - more details below on background - but then account was closed anyways ). I was supposed to receive the balance of my account by XX/XX/XXXX ( 60 days after closing ). I did not receive the balance and so I went into a local branch and was told that Citibank had reviewed the remaining funds and could not verify that they rightfully belonged to me. With the exception of one small deposit from a wedding fund, the only money that was entering that account was 1 ) my direct deposit from my employer, 2 ) direct bank transfers from XXXX XXXX which manages by securities account and XXXX ) checks written to me from my partner and my mother-in-law ( the mother-in-law check was also a cashier 's check so 100 % verifiable ). Included in the attachment is an overview of the final charges/balances on the account at the time of closing, which indicates that the balance they will not return to me is likely from the cashier 's check my mother-in-law wrote. They had no information as to why they were concluding that the remaining funds were fraudulent and did not provide me with any written account or evidence that indicated the funds were not rightfully mine. They have said they are planning to investigate further but also said that the funds were already absorbed by Citibank and so I am not optimistic that this money will be returned to me. Essentially, Citibank has stolen my money on account of their own unfounded claim that the funds are not rightfully mine. Hoping for help. 

Background into original closing of account : My fiance and I were closing on a home and consolidating the funds for the down payment into my Citibank checking account. He wrote me two separate checks and both had cleared into my account the morning of XX/XX/XXXX, so I went to citibank to get a cashier 's check for the title company, where I had no issue. A day later I received an automated email from Citibank that my account balance was below a certain threshold which would not have made sense even if the title company had withdrawn the check for the down payment. Turns out that AFTER one of the checks from my fiance cleared, and my cashier 's check was written, the bank rejected those funds and sent them back to his account/bank, which left me overdrawn by over {$26000.00}. We promptly had my mother in law go to our local bank branch with a cashier 's check for the amount needed to get my account back into a positive balance, as by this day we were out of town on a planned vacation, and I was told by the branch representatives that I would simply need to come in to the branch in person upon my return to get the account unblocked. When I did go in, they said Citibank had decided to close my account and that I would receive the remaining balance in 30-60 days, but i have not received this and upon checking with Citibank again they are now saying that they are deeming this remaining balance unverified and have absorbed the funds themselves and I will not be getting them back.