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

On XX/XX/2022 I was a victim of fraud and identity theft. Someone by the name of XXXX XXXX hacked into my XXXX XXXX and Citibank checking accounts and illegally transferred money via XXXX, to her bank account with XXXX XXXX. XXXX XXXX is not someone I know personally, but apparently, she set up a XXXX customer account with her bank ( XXXX XXXX  ) using my email address ( XXXX ) and sent {$1800.00} from my Citibank Checking account to her XXXX Bank. I do not know, nor have I ever sent money to XXXX XXXX. I was able to successfully dispute the fraudulent transactions with XXXX XXXX, but Citibank keeps denying my claim and states " ... {$1800.00} were sent in accordance with your instructions ''. I have been fighting this transaction since it happened. I did not authorize XXXX XXXX to access my account, I did not authorize her to use my email address to set up a XXXX account with XXXX Bank, I am not a XXXX Bank customer and I did not send this money to this person at all. I have disputed this transaction twice with Citibank. The most recent dispute ( Claim # XXXX ) was denied and I was advised no fraud took place. I've sent in a copy of a police report showing someone accessed my account, a copy of my fraud report with the credit bureaus, proof from XXXX Bank that XXXX XXXX ( their customer ) set up a XXXX account using my personal email address, proof that my passwords were comprised from a report, and the letter Citibank sent its consumers showing they are aware of XXXX scams that are taking place. Citibank is refusing to reimburse me for this fraudulent claim and is violating my rights as a consumer. Per XXXX 's legal website " XXXX transactions are covered by the EFTA and Regulation XXXX ''. This transaction falls under EFTA and Regulation E and Citibank is violating my rights as a consumer by not reimbursing me for an unauthorized EFT. 

I followed the 60-day rule and reported the fraud the same day this took place, on XX/XX/2022. I called Citibank on XX/XX/2022, after my claim with Citibank was denied again, and spoke to a Supervisor named XXXX in Client Relations ( Claim ID XXXX ) and was advised they aren't required to reimburse for fraudulent transactions that were conducted using XXXX. According to the EFTA and Regulation E that is not legally true. The Supervisor also suggested I ask the person that scammed me, XXXX XXXX, to reimburse me for the funds. How degrading and unlikely. I am the victim, but should ask the person that conducted the fraud to reimburse me? How, when they used my email address to set up a fake account? As of today, Citibank has closed my account due to it being overdrawn. Citibank initially provided me with a credit for the {$1800.00} and then reversed the credit after they denied my claim, which put my account in the negative, and now they have closed the account. According to the letter they sent to me as well, they will be sending this to a collection agency - even though the reason my account is overdrawn was due to negligence on their part and violating my consumer rights.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 
XXXX ACCT # : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your XXXX and prompt attention are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Loan XXXX Incorrect late payments being reported Per FTC and CFB I am writing to request the below information being reported on my credit report to reflect on time from XXXX to XXXX A PMAP application was submitted and the back did not respond in rime. For 8 months after being unemployed for over a year I went back to work and made monthly payments for 8 months. I was never contacted By phone or email during that period of time and then after eight months a litter of foreclosure was sent. The bank has since removed the foreclosure notice but the information stating the loan was grossly past due must be resolved immediately. It is harming my chances of fair credit approval and causing debt.. 
The following need to be removed : 120 days past due as of XXXX XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX Please investigate this matter with XXXX XXXX  XXXX Pa XXXX and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( s ) as soon as possible. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX used my credit inproperly by telling other credit bureaus that my credit was reporting late payments and also accessing my credit score without my knowledge being locked and my account has been locked since I been reporting has been used improper XXXX to companies making them close accounts of all my creditors and I been paying on time with accounts are all coming out of my accounts. Experienced has contacted all three credit bureaus and told then I paying late on my accounts and they are not late at all. They has been fraud reported on my account in letting people access credit in my name and I locked my account and always be ; locked but every time it shows someone tried to get credit in my name. There has been reporting wrong to all credit bureaus tha5 my account is not paying on time and that is a big lie! All my accounts are paid on time and they had other credit accounts closed on my account according to all my creditors and they all had told me like XXXX  XXXX, XXXX,, XXXX  XXXX, and many more and it shows o paid them on Time and my account has been compromised by experienced with lies and things that are wrong to other credit bureaus all had told me that expertise contacted them like XXXX and Equifax both told me that experience reported to them my accounts are XXXX and they are not made them closed all my accounts paid o t8me.
Product: Payday loan, title loan, personal loan, or advance loan

THE COMPANY BELOW IS IN VIOLATION OF 1692 c ( c ) of the fair debt practices act XXXX XXXX XXXXE ACCOUNT # XXXX XXXX XXXX XXXX XXXX, P.A XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Macys account, Best Buy account, and XXXX account with Citi bank have all been closed by Citi bank on or about XX/XX/XXXX and XX/XX/XXXX. All of these three accounts were always paid on time and show good status. However, all three accounts were closed by citi bank for no reason. I believe the reason they were closed was due to a error on the way fair account, which I tried fixing for over a year with citi bank. This error was correct on XX/XX/XXXX. However, my Macy 's, Best Buy, and XXXX account are still close which continues to affect my credit.
Product: Checking or savings account

Card was stolen. My debit card was used for a transaction on XX/XX/18 amount of {$190.00} I contacted my banking institution to resolve the issue their reasoning for a decline in the dispute is because the chip was used for the transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a message from Equifax that a Hard inquiry had been added to my credit report. Knowing that I had not applied for anything since XXXX  of XXXX, I went on to investigate. The Inquiry is from XXXX XXXX XXXX- Personal Loans and it states the inquiry is from XX/XX/XXXX. 

I immediately disputed with Equifax and have still been unable to open the PDF that was sent to me with their decision. I called and they stated that I would need to log on to your web site and file a report in order to get the hard inquiry removed. I have also added a freeze to my accounts so hopefully this can not happen again. 

I also tried 4x to contact XXXX XXXX XXXX, 2 times I was left on hold, the other 2 times I was transferred to a manager, no names given, and left messages only to not receive any communication back. 

I would like to get this removed from credit report as this is something I didn't apply for and would be very interested on how they got my information!
Product: Credit reporting or other personal consumer reports

I sent you a FTC report on XX/XX/XXXX about these fraudulent inquires and you refused to remove them which is against the FCRA. If you do not remove these inquires, I will be seeking an attorney I know my consumer rights and your company is not following the FCRA. I am a natural person exactly who I have stated on this letter. Please do not stall again your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. XXXX*I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTURE STALL STATICS FROM EQUIFAX XXXX 

Once again here are the inquiries that WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was called on XX/XX/XXXX about a XXXX debt for XXXX. They refused to identify who they were on the initial call to me. Advised not to call me again. Called them back spoke to woman who discloses the debt without mini XXXX first and did n't disclose what company. Asked to speak to manager and advised why transferred me to a general voicemail. Called back 3rd time advised never had XXXX and he hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt, contract callers inc 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 reporting or other personal consumer reports

I have reach out to equifax and XXXX  amounts of times reminding them that per the fcra fair credit reporting act any items on my credit report such as the XXXX inquiries on equifax and the XXXX inquiries on XXXX must be removed if unverified or unauthorized
Product: Checking or savings account

This complaint is about a loan US Bank took out in my name without my knowledge or permission. CFPB sent my complaint back XXXX. How do you allow US Bank to control the narrative? I am submitting this NEW complaint because I just got a NEW fee assessed by my creditors who continue getting payments on my behalf but then payments are reversed since US Bank is FORCING ME to keep an opened account. I dont have XXXX to reprimand US Bank via attorney for forcing my credit score to drop. How does US Bank get away with this illegal activity and still to this day continues to assess fees on a loan I never took out? This complaint is about a loan US Bank took out in my name without my knowledge or permission. How does this bank assault me like this with absolutely zero consequences? Ok US Bank you win. I accept that my golden credit score of XXXX will never be again because you have decided to capture me and force me to become a deadbeat who overdraws their bank account and doesnt do a thing about it. Hello XXXX XXXX  score. US Bank you win! I have surrendered. I accept that you will never close that account and my credit score has been permanently damaged. I accept it US Bank good job!!! ( Ive uploaded proof of continuous activity coming from a bank account I closed on XX/XX/24. XXXX being held prisoner HELP me ).
Product: Debt collection

I mailed a dispute letter to three collection bureaus about this debt and collection agency on XX/XX/19 by certified mail. The debt came back as validated. I then reached out to the collection company directly by mail stating this is a duplicate account as the debt is also being collected by another vendor. I asked them to research it, provide proof this debt is mine, prove it is valid, and prove they have the legal authority to collect. This letter was mailed by certified mail on XX/XX/19. I received a letter on XX/XX/19 stating that my dispute is closed and XXXX XXXX XXXX said my dispute was " invalid ''. No additional information or proof the debt is mine or they are the correct collection agency was included. I called their toll free number at XXXX on XX/XX/19. I again explained two collection agencies were trying to collect the same debt and I needed some proof of who to pay. I spoke with a Mr. XXXX XXXX who failed to provide me any data. He refused to send me anything saying they were authorized to collect the debt or that the debt was even mine. I asked if I paid the other vendor will they stop collecting and he refused to answer. As I consumer I deserve to have proof the debt is legitimate and which collection agency I should be paying. He did not let me speak or leave a message for his supervisor, Mr. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have reported being a victim of identity theft, and you are required to remove any items that were opened without my knowledge, consent, or authorization within 4 business days. This must be done upon receipt of the following : ( 1 ) proper proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) my identification of the fraudulent information, and ( 4 ) my statement confirming that the information does not relate to any transaction I conducted. 
XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS FAILED TO REPORT MY AUTHORIZED USER ENDING IN XXXX INFORMATION TO TRANSUNION. 
XXXX XXXX TRANSUNION IS NOT REPORTING MY AUTHORIZED OF USER ENDING IN XXXX TO HIS CREDIT REPORT. 
XXXX XXXXXXXX
Product: Debt collection

Ally Financial bought a debt that exceeds the statutes of limitations. They then sold the debt to XXXX who attempted to collect the debt. A complaint was filed against XXXX with the CFPB who refused to respond and one filed with the BBB complaint # XXXX which they acknowledged the debt was expired. The debt expired in 2016 yet they are still trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit and it seems unauthorized credit attempts are on my credit report. I am showing from a XXXX XXXX XXXX XXXX, Syncb/tjx Dc XX/XX/2020 XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 and XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 SYNCB XX/XX/2020 XXXX XX/XX/2020 also these phone numbers have been calling me about my credit XXXX ; XXXX ;
Product: Mortgage

Mr Cooper aka Nationstar Mortgage has again failed to pay what it claims from escrow. Per escrow, they claimed to have paid my XXXX property taxes in the amount of {$2300.00}. However, on XX/XX/XXXX, I received a notice via email that my property tax remains unpaid, and is due by XX/XX/XXXX. I checked the county 's online information system, and it also reflects non-payment. 

This comes after my prior complaint, XXXX. During the previous tax year, the county sent an erroneous bill in the amount of {$5500.00}. Nationstar was informed this bill was in error, but claimed to have paid that amount, {$5500.00}, both on my escrow statement and in calculating escrow. In reality, the county treasurer had only ever received a check for the correct amount, {$2100.00}. It should be noted that Nationstar has previously settled with the CFPB in a XXXX enforcement action for these very practices, the failure to make timely tax payments from escrow and inaccurate escrow analyses, with docket number XXXX. Nationstar does not appear to have corrected their practices. 

In particular, as part of that settlement, Nationstar/Mr Cooper was required to implement an online complaint form, maintain sufficient trained personnel to respond to such complaints, and correct errors identified by these complaints. 

In reality, Nationstar/Mr Cooper simply ignored complaints submitted to their online complaint form regarding the XXXX tax issue, indicating that I'd receive a response in 7 days which was never received, which Nationstar admitted it received and simply never took any action on, despite being a notice of error requiring a response in 30 days. I only received a response after submitting a CFPB complaint. 

It should also be noted that they claimed a refund posted on XX/XX/XXXX in regards to the XXXX tax issue, yet when I checked the escrow transaction log while submitting complaint XXXX, no such transaction refunding the amount was displayed in the transaction history, and they continue to claim that they paid {$5500.00}, which directly contradicts what the county treasurer reports, a single payment in the amount of {$2100.00}. 

The response to my complaint about the XXXX tax issue will likely follow the same pattern. Despite the urgency of this matter, in response to my XX/XX/XXXX ticket sent via the online complaint portal, the response on XX/XX/XXXX was that they would respond in 7 business days and provide no information whatever beyond that. At this point, a response in 7 business days will be received by XX/XX/XXXX, the due date of the taxes that Nationstar has failed to pay despite removing funds from escrow. This response indicates no urgency whatever for non-payment of taxes, despite the extremely serious consequences of non-payment. 

Nationstar is not complying with consumer finance protection laws, nor the enforcement action 's settlement terms.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : ; XXXXXXXX XXXX  XXXX XXXX Balance XXXX XXXX {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$580.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX  XXXX Balance XXXX XXXX {$210.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have some hard inquiries on my credit report that I don't recognize. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. I am not familiar with these and did not authorize permission to have my credit checked so I want these hard inquiries and accounts removed from my credit report immediately.
Product: Credit card or prepaid card

Citigroup announced in XX/XX/XXXXtheir new policy of discriminating against lawful companies who sell legal firearms. I contacted them and advised that I have a Citicard through XXXX and I will not in good conscience continue the use of the card if they are going to continue discriminating against Constitutionally protected commerce activities. They offered no defense of the policy and would not answer if they thought it would likewise be appropriate for a bank to refuse banking services to XXXX or XXXX  companies if they felt it appropriate to discriminate against them. My tax dollars bailed out this bank 8 years ago and they are as such government subsidized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion displaying inaccurate employer on credit report. I do not work for XXXX XXXX. Which I have told them before I work for XXXX  and sent them info.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA XXXX that you the XXXX, EQUIFAX AND XXXX XXXX reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, another personal credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX ; A COLLECTION with XXXX XXXX XXXX XXXX opened on XXXX the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the XXXX Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 150 ) days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I returned the vehicle in XX/XX/XXXX and XXXX sold the vehicle at auction in XX/XX/XXXX. After I returned the vehicle in XX/XX/XXXX, I made a payment plan with XXXX. I have never missed a scheduled payment and therefore the lates that are being reported are completely false. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. 
This creditor has violated my rights.

under 15 USC 1681 section 6 0 2, 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.

Under 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.