23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2021, a balance transfer check ( issued by CitiBank ) has been deposited in my name into a foreign bank account in the amount of {$300.00} by an unknown person. As a result a {$300.00} charge appeared on my credit card statement along with a {$15.00} transfer fee ( {$310.00} total ). 

CitiBank initially sent the blank balance transfer check to me as a promotional offer to transfer my credit card balance. I discarded the check but it appears the check was stolen by someone to commit credit card fraud. I contacted the fraud department at CitiBank in the beginning of XXXX to try to resolve the issue but they have so far been unhelpful. After 2 months, Citibank sent a form to fill out. I filled out the form and sent it Citibank in the provided envelope with their pre-filled fraud department address. I received another letter from CitiBank that they have not received the requested form and that the fraud case has been closed with no further explanation or instruction. 

As of today, XX/XX/2021, the {$310.00} charge is still on my credit card account. 

PS : I have a photo-copy of the fraudulent check with a forged signature.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, LexisNexis provided me with a consumer report where they are reporting against my personal profile. 

XX/XX/XXXX, I sent a letter to the courthouse asking whether they report bankruptcies to the credit bureaus, and I received a letter stating, The bankruptcy court and clerks office do not provide bankruptcy information to anyone. So, if thats the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They have also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.SC 1681 section 602 A. states I have the right to privacy.

According to : 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.

According to : 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.

If you do not remove this record you also be in violation of 15 U.S.C. 1681n - Civil liability for willful noncompliance and you are conspiring with the regular CRAs against me and my rights under 18 USC 242.
Product: Mortgage

We received a check from FEMA flood on XXXX XXXX for {$71000.00}. It had Citibank plus our names on the check, XXXX & XXXX XXXX, We has an old Citibank home improvement loan which we paid off XXXX. We took the notarized copy of the loan pay off to our XXXX XXXX with the check and they refused to cash it. They said Citibank had to sign off on check. We drove to the XXXX XXXX to Citibank in XXXX XXXX. Talked to Assistant Vice President, Manager, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX, Phone XXXX. He said he could not sign off on the check because it had to do with a home equity loan that was paid off. He sent the check and the notarized pay off letter to CitiBank Mortgage, XXXX XXXX XXXX, XXXX XXXX, SD XXXX on XXXX. It arrived ther on XXXX. It was received by XXXX and left in office. 
Citibank would not answer any of phone calls. We called FEMA Flood. We explained the situation. We sent then the pay off note and a copy of the check and bank info. They agreed to re-issue the check in only our names. They called us back and said the check was cashed on XXXX XXXX, XXXX without our signatures. Back of check said XXXX on back, so they could not reissue our check. We went back to Citibank in XXXX XXXX. They sent the info to their reserach dept in Maryland on XXXX and we still have not gotten our money. We need it for home repairs from XXXX XXXX. No one will help us get our money. Citibank owes us the money. It is our money. XXXX XXXX gave us a case number XXXX. He does not answer our calls and neither does Citibank. We desperately need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I began to get alerts from an identity protection company there were a lot of hard inquiries hitting my credit reports. I pulled all three reports and found up to XXXX hard inquiries which were not made by me and were clearly fraudulent. 

I spoke to Equifax on XX/XX/2022. I was told that my hard inquiries were flagged but could not be disputed until I had obtained a police report and FTC report. I was told I would be able to upload them online. ( I also placed a fraud alert and freeze with all three reporting agencies. ) On XX/XX/2022 I tried to upload the police and FTC reports. I found there was no way to do that through XXXX. I tried to submit the disputes online as well. During that process there was no way to upload any documentation. 

I called them three times and kept getting told I would have to fax them. I don't have a fax machine and would have to pay for that. Not cheap. Or I was told I could mail them in, which means printer costs, mailing costs including a Return Receipt Requested. It also means more time would pass before they would do anything. 

It is nothing short of outrageous they make this process as difficult as they do and their representatives are woefully ill-trained and uninformed. Several times different representatives provided conflicting information. 

If I could refuse to do business with Equifax I would, in a heartbeat. They call me a 'customer '. I am not a 'customer '. I did not hire them. We are all simply subject to their activities with little to no control over what they do and how they affect our lives. 

Meanwhile, I do not trust them to do anything to prevent this illegal identity theft activity from recurring. I would fire them if I could. Everything about my experience was completely horrible and it has taken me hours to deal with them.
Product: Debt collection

On XX/XX/year> I received a call from a number XXXX being very threatening in regards to an old debt that was taken off of my credit file as it was past the Nebraska statute of limitations on debt reporting. Just this morning along Ive received 4 calls about this matter in a very short time. The person on the phone left a very threatening voicemail and never once stated who they were or what business they were from. They said it was about a legal matter in their office but didnt provide much information. A XXXX search provided they are from XXXX XXXX  in South Dakota. The phone number where I was told to call was XXXX. I do have a voicemail and transcript I can provide if needed. I do believe their tactics do not align with trying to collect the debt legally.
Product: Debt collection

I have sent multiple letters to this Company formal Notice that a claim is being disputed.for a debt that say i owe for XXXX I have not receive any evidence. This account is not mines I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$340.00} XXXX XXXX XXXX Balance {$660.00} XXXX XXXX XXXX Balance {$700.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$530.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I sent a letter ( which Ive included ) to Santander regarding this " charge-off " they are reporting. This vehicle was totaled in a car accident, and I also submitted the documentation to them showing everything was paid by insurance and the amount that I had to pay was debited out of my account. ( also included in attachments ) Santander has yet to respond to me and it's been over 3 months.
Product: Debt collection

I hope this letter finds you well. I am writing to express my concern and frustration regarding the continued reporting of fraudulent accounts on my credit report, specifically with your bureau. I have previously disputed these accounts and, to my dismay, they persist on my credit report despite being removed by other credit reporting agencies. 
XXXX XXXX XXXX - XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX  XXXX XXXX XXXX .... - XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX  XXXX XXXX XXXX .... - XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
Other credit bureaus have acknowledged and acted upon my dispute, promptly removing the fraudulent accounts from their reports. However, your bureau continues to report this inaccurate information, adversely affecting my creditworthiness. 
I am seeking an urgent and thorough reevaluation of my dispute with the goal of promptly removing the fraudulent accounts from my credit report. The inconsistency in reporting across bureaus is causing confusion and undue stress, as I believe the inaccuracies are hindering my financial opportunities.
Product: Debt collection

On XX/XX/year>, at approximately XXXXXXXX XXXX a process server hired by XXXX XXXX XXXX arrived at my home to serve legal documents related to a debt collection lawsuit filed by XXXX XXXX for the amount of {$2900.00}. I was not home at the time, but my wife answered the door. 

During the interaction, the process server : 1. Refused to provide the documents to my wife despite her request, as I was unavailable. 
2. Did not explain why he would not hand over the documents.

3. Remained outside the door for a moment, called my wife an " XXXX '' loudly, and then threw the documents toward the front door before leaving. 

This behavior was unprofessional, unnecessary, and disrespectful. The incident was captured on my homes XXXX XXXX, and I have saved the recording. I am have provided the video evidence below under the file attachment section. 

The actions of the process server reflect poorly on XXXX XXXX XXXX and their commitment to professional standards. I have reported this incident to the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX I am requesting corrective action, including an internal investigation into the process servers behavior, assurances that such incidents will not occur in the future, and a formal apology.
Product: Debt collection

Please remove this debt from my credit report. It 's not mine at all. It belongs to a relative not me.
Product: Credit reporting or other personal consumer reports

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern.
Product: Checking or savings account

On XX/XX/23 I paid {$59.00} with debit card ending in XXXX for auto part shifter assembly received XX/XX/23, item # XXXX. As I was ill advised by dealership parts dept. to purchase, my mechanic decided against installation & advised me to return. The seller has not sent return label & XXXX is siding with seller, with enclosed copy showing shifting label arrival timeline, suggesting bias toward the seller.On XX/XX/23 when I called Bank of America to file dispute, the only option the bank provided, the representative identified me, placed me on long hold, then hung up, thereby denying me the right to file dispute against XXXX seller, proving bias as well for this seller.
Product: Checking or savings account

I suffered from a scam where the scaner contacted me pretending to the bank they access my online banking and had started a new wire payee when Wells Fargo sent me a code scammers request the code to Identify me but once i looked in my account i saw it was a wire transfer transaction done not to ID me. 
I called the bank 1st banker said if you make the wire tranfer we can stop it but if not we have to let it go through. 
2nd agent said we can't stop a wire transfer opened a claim and then they denied because i gave them the code. Even though they started the transfer. 
Open several claims tried to get the paper work used to make the decision and they have not yet to provided to me. I was trying to open a legal case with it. 

Bank is ignoring the fact that someone had open my online account created a payee started the wire transfer. All they based their the decision its a code that came from them for real.
Product: Debt collection

XXXX XXXX for XXXX XXXX credit card. 
1. Charged a late fee of {$37.00} that was more than twice my monthly fee of {$15.00}. Considered illegal in Calif. 
2. Made payment on time difficult to gain late fees : A. Payment sits in P.O. Box until it incurs late fee. 
B. To pay before due date I must use a debit card, but charge {$15.00} fee to use. 
C. Had post office hold my paycheck in order that I incur late fee before can pay. 
3. Statement showed wrong amount, when I called and pointed it out to supervisor, he hung up. No explanation, no call back.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX, XXXX, I called the customer service mortgage department at XXXX Bank. 
My call was to inquire about a {$14.00} fee that was added to my mortgage in XXXX of XXXX. 
I spoke with a woman named XXXX XXXX, who explained to methat due to my XXXX mortgage payment arriving 30 days late, XXXX Bank needed to send someone out to my home to see if I had abandoned my home. Because of this, I will be responsible for paying a {$14.00} fee. 
She proceeded to tell me that I am lucky to not have XXXX other charges since I am " always late. '' This concerned me because I have only been 30 days late with my mortgage XXXX time in almost 4 years. 
I also feel that XXXX Bank sending someone to " check my property " for signs that " I still live there '' was very intrusive. 
I was called as many 3 times a day in XXXX of XXXX as well as having XXXX letters mailed to regarding the same issue. 
I would like to have the {$14.00} fee removed. I would also like to know if the banking industry has the right to call multiple times, send letters and now come to your residence to spy for " signs of someone living there '' and charge the customer a fee for this?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and payment history has been deleted previously by Equifax, but the accounts keep reappearing on my credit report : XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. The following credit inquiry listed on my Equifax credit report is a fraudulent and unauthorized credit inquiry : XXXX XXXX, XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  this account is reporting inaccurately. This account does not belong to me and should be removed from my credit immediately. It knows that it has reported false information that why it has stop reporting information as of 2017. 

XXXX
Product: Debt collection

I obtained a new number about 6 months ago ... this company leaves constant voicemails everyday ... looking for a XXXX XXXX ... I have no idea who that is and I have explained that to them ... they hang up in my face ... they continue to call.. they argue with me about it not being the person they are looking for and at this point Im tired and ready to obtain a lawyer..
Product: Mortgage

Requesting information in regards to my VA Senior loan with Well 's Fargo. Also wanted to know was my home ever foreclosed on or not? Because there are some dependency in regards to my past VA home mortgage loan with Well 's Fargo in regards to past started foreclosure proceeding that were dismissed, as well a fraudulent activity. I have also requested copy 's of my entire past bill itemized payment history but has yet to receive it from Well 's Fargo which was several months ago now. I also wanted to know was the taxes on the home paid for by well 's Fargo until XX/XX/2018 upon the certificate of release of mortgage to me?
Product: Money transfer, virtual currency, or money service

My grandmother was a victim of ransomware scam that resulted in fraudulent activity in multiple accounts of hers in XXXX of XXXX. The issue we are having is with Discover. A total of XXXX attempted Wire Transfers, but only XXXX completed Wire Transfers were made fraudulently out of her XXXX Discover accounts. 
XXXX XXXX Wire Transfer from Discover  XXXX Account for {$22000.00}. 
XXXX XXXX Wire Transfer XXXX XXXX for {$30.00}. 
XXXX XXXX Wire Transfer from Discover XXXX Account for {$25000.00}. 
XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. 
XXXX The XXXX Wire Transfer on XX/XX/XXXX was reversed into the Discover XXXX Account, credit {$22000.00}. 
XXXX XXXX Wire Transfer from Discover XXXX Account for {$39000.00}. 
XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. 
XXXX XXXX Wire Transfer from Discover Checking Account for {$6900.00}. 
XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. 
XXXX A deposit from a XXXX Bank account was made to her Discover Checking Account for {$21000.00}. 
XXXX XXXX Wire Transfer from Discover Checking Account for {$21000.00}. 
XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. 
XXXX The XXXX Wire Transfer on XX/XX/XXXX was reversed into the Discover Checking Account, credit {$21000.00}. 
XXXX XXXX Wire Transfer from Discover Checking Account for {$20000.00}. 
XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. 
This leaves us with a total of {$91000.00} that was Wire Transferred out of Discover accounts and has not been reversed back, and {$180.00} in Wire Transfer Fees that was taken from her account. 
On XX/XX/XXXX my Grandmother informed me of what had been happening and after I did some research and found that who she had been talking to were not the companies she thought ( Discover, XXXX ). We reported all of the fraudulent activity on XX/XX/XXXX to Discover. We were told that they will really only be looking into the XXXX wire transfers that had gone through and not been reversed back into the account. I was told that they would refund the transfer fees, although I have not seen evidence of this myself. We were told that all of this is under investigation until further notice with no time line of completion. We asked Discover if we should make a police report, and we were told that it would probably make no difference. They also gave us no advice on how to further report this fraud to any kind of authority. In a later phone call we were told that while the investigation was not complete, they had located the accounts that the money was transferred to, but they were empty, and that we are not guaranteed to get any of the wire transferred money back. We have called back several times with no real updates and most times confusion about what is actually in being shown in their system as fraudulent activity. 
After researching myself of what to do I was recommended to make a report about it to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

HSBC Bank US has arbitrarily closed my account without any notification and refused to provide full balance back. I have accidentally realised that there was an issue with the banking app and, after seeing hours over the phone speaking with incompetent individuals that don't speak English, they told me that my account was close and letter was sent to me. I have never received any letter, they refused to share the reason and they refused to transfer my balance ( over XXXX XXXXXXXX ) to any account of my choice. I have spoken to XXXX ( XXXX ), to XXXX ( XXXX ) and an manager XXXX which refused to hand over her badge number and refused to give my money back
Product: Credit reporting or other personal consumer reports

XXXX Failing to Remove Fraudulent Account & Unauthorized Inquiries Details of the Issue : I have been disputing a fraudulent account ( Kickoff ) and unauthorized credit inquiries ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ) on my XXXX credit report for over 60 days. 

I submitted the following documents to XXXX : FTC Identity Theft Report XXXX Police Report ( XXXXXXXX XXXX XXXX XXXXXXXX, IL ) Proof that XXXX removed the fraudulent Kickoff account Proof of residency ( Insurance document ) Government-issued ID Despite this, XXXX has failed to remove the fraudulent account and inquiries, incorrectly verifying them as accurate. This violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), which requires fraudulent accounts to be blocked within four business days upon receipt of an identity theft report. 

Steps Taken : I filed disputes directly with XXXX and uploaded all required documentation. 
XXXX responded that the fraudulent account was verified but failed to provide any supporting evidence. 
Ive been going back and forth with XXXX since XX/XX/year> with this fraudulent account and inquiries I have a FTC report from XX/XX/year>XXXX XXXX