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

XX/XX/XXXX I made online purchase on website XXXX and paid {$580.00} for designer bags via XXXX XX/XX/XXXX I sent email to merchant ( XXXX, XXXX ) asking for invoice or any proof of transaction. No response from merchant XX/XX/XXXX I opened dispute with XXXX and Citi Bank and was given temporary refund Multiple days I called merchant at contact number on their website ( XXXX ) XXXX and heard message saying its a residential number not linked to any e-commerce website I called Citibank and reported the merchant as fraudulent XX/XX/XXXX Merchant shared USPS shipment tracking number with XXXX XXXX Citibank as XXXX XX/XX/XXXX I sent email asking merchant to confirm if the above shipment was for the goods I purchased. No response from merchant XX/XX/XXXX I received invoice from merchant for XXXX designer bags that I had purchased for {$580.00}. No shipment details linking to the above USPS package XX/XX/XXXX I received the USPS package shared by XXXXCiti with a USB cable ( NO DESIGNER BAGS ) I called Citibank and reported incorrect merchandise XX/XX/XXXX Investigation closed by Citibank NOT in my favor. I was charged back for {$580.00} XX/XX/XXXX '' I requested Citibank to reopen the investigation and provided documented proof : - Picture of USPS package I received with matching tracking number provided by merchant. The USPS label clearly read '1 USB cable ' - Picture of the opened USPS package and the USB cable inside instead of the designer bags I had purchased. 
- Invoice from merchant for {$580.00} purchase of designer bags- Website ( that I reported as fake ) showing pictures of designer bags- Contact details on merchant website with email ( unresponsive ) and phone number ( reported as a residential number with no connection to the website ) XX/XX/XXXX Citi bank asked for above proof again XX/XX/XXXX I sent email to Citi bank asking them to review above documents properly. I was told dispute will be resolved by XX/XX/XXXX XX/XX/XXXX Citibank acknowledged my dispute in an email. No further information provided on the resolution. 
XX/XX/XXXX I called Citibank to get a status update on the dispute since the XX/XX/XXXX timeline they had given had passed. I was told that the dispute was resolved on XX/XX/XXXX itself again NOT in my favor. I requested them to open the case again and forwarded an email that I sent to merchant now asking for correct merchandise. I had stopped contacting the merchant after I received incorrect merchandise thinking Citibank would handle it for me. 
XX/XX/XXXX I called the merchant on the phone number ( XXXX ) XXXX from their website. A woman answered saying she is not linked to that website and has reported abuse of her phone to multiple federal agencies. 
XX/XX/XXXX I sent email to merchant. Got standard reply saying above package was delivered. 
XX/XX/XXXX I sent email to merchant again stating delivery of incorrect merchandise and shared pictures of the package received. I forwarded those emails to Citibank to keep them informed about my attempts to connect with the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account XXXX has placed in my credit report it is fraud and it was open with out my permission, the account is for XXXX and it was open in XX/XX/2022, I have attached a ftc identity theft report to this complaint and a copy of the account this on my credit report, this account was open fraudulently and it does not belong to me, I hired an attorney to sue XXXX, all my personal information has been leaked and exposed by XXXX, my social security number and my drivers license number and other information, the collection account is XXXX XXXX XXXX, this is a fraud account please remove,
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my XXXX account on XX/XX/XXXX when I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was late with payments, 90, 120, and 150. In XX/XX/XXXX, I arranged scheduled payments of {$81.00} to be withdrawal from my bank account on the XXXX day of each month. Since arranging this my account has been a great standing until last month. 

I was informed by Experian that my credit scored dropped 8 points due to late payments on my XXXX account. When I called XXXX they informed me that I was late on payments in XX/XX/XXXX. I found this information very confusing. I'm confused why they are hitting my credit after six years of great standing on my payments. When I asked the Navient rep to transfer me to a supervisor, I was told there was nothing more I could do to resolve this issue. The rep then reminded me of when I opened the account and the months I was late. But them reporting late payments after six years doesn't make sense at all. 

I hope you are able to resolve this issue. I'm not sure how my dispute was settle by Experian because my credit score has not gained its 8 points back.
Product: Checking or savings account

I had two checking accounts with Chase Bank. I recieved an email telling me that my account was restricted and pending closure and to call. Which I did and was told someone hacked into my account and made two check deposits not sure the amount because XXXX will not give me any information. I then proceeded to go through my recent transactions and see 3 transactions that I did not make two for a place named XXXX XXXX in the amounts of {$200.00} and the other for {$190.00} the 3rd was for XXXX fee in the amount of {$48.00} I told the customer service representative I would like to dispute those as well as the check deposits. They stated I would receive a provisional credit and that my account would still be restricted until I went into a Chase branch with a photo Id and verified my identity. This was on Saturday XX/XX/year>. On Monday I went to the bank branch in XXXX Arkansas to try and withdrawal funds they told me that I needed to dispute the checks because they did not do that Saturday when I spoke to them for over 2 hours. They refused to allow me to withdraw funds stating that the provisional credit was still pending and had to stop pending before I could use the money and to come back the next day. Before heading back to Chase on Tuesday I called their fraud department and spoke to a supervisor by the name of XXXX who told me they were nor pending and that I could go to the branch and withdrawal funds from my account. She stated she would note in my account that all that would need to be done was a manager would need go override the restrictions. I then went back to Chase branch on Tuesday to get my funds and they told me I could not and that I would not be able to open a new account with them either. I can't use my provisional credit I lost my two checking accounts because someone hacked into my account and made check deposits that I disputed before ever even receiving the funds from them and I am still not allowed money that is legally mine that was stolen from me from some fraudster people. This is not right and has made it to where I have lost two days of work trying to fix this situation on top of all my funds are tied up inside an account I can't access or withdrawal any money from even though the customer service reps and supervisors I spoke to on their recorded lines stated I would be able to once going into the branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom thi s may c oncern I  XXXX   XXXX  sent a certified letter and fax to Transunion and  XXXX  on  XXXX   XXXX    XXXX  . The letter was a paid for deletion to the company  XXXX   XXXX   XXXX   XXXX   XXXX  . Current Creditor  :  XXXX   XXXX   XXXX . the account was sold by  XXXX   XXXX    XXXX  . This letter stated that if the company agreed to cash the check that all the credit bureaus would delete collection off file the amount was  XXXX . I spoke with a  manager a t the company  XXXX  and he stated it would be removed.   XXXX    has deleted the collection from file but Transunion has n't. Also  XXXX   XXXX  is reporting the account inaccurate the account is paid so it looks like there are  XXXX  charge-off on my credit. The only action that was taken by Transunion is the collection has a  XXXX  balance when it should be deleted per the contract.
Product: Credit reporting or other personal consumer reports

Re : Response to Fraud Block Request Decline file # XXXX Dear TransUnion, I am writing in response to your letter dated XX/XX/year>, in which you declined my request to block certain information related to identity theft from my credit report. I appreciate your thorough investigation, I do not believe an investigation was done, I also requested the above address be the only address on file due to being a victim I only need addresses that are associated with me. And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not. Please remove as well. but I respectfully disagree with your decision and would like to address the concerns you raised. 

XXXX. History of Previous Payments : You mentioned that the fraud block request was declined because the account reflected a history of previous payments. I want to clarify that these payments were not made by me but by the individual who committed the identity theft. I have no connection to this account beyond it being fraudulently opened in my name. 

XXXX. History of Previous Disputes : If there is a history of previous disputes on the account, I would like to clarify that these disputes were initiated in my effort to rectify the identity theft. The fact that these disputes exist should further support my claim that this account was fraudulent from the start. 

XXXX. Account Opened Prior to Fraud Report : While the account may have been opened prior to the date I reported the fraud, it was only after I became aware of the fraudulent activity that I was able to report it. Identity theft is often discovered after the fact, and this should not be a reason to deny my request. 

XXXX. Additional Evidence : What additional docs do you need? This seems to be a system generated response rather than a human. What type of letter form data furnisher? What court docs if I am unaware of who committed the crime? 
XXXX. Request for Further Action : If TransUnion requires further documentation, please specify exactly what is needed so that I can provide it promptly. If police report is provided will this suffice or will you continue to harm my character and report by using automated responses? I would like to know the name of who is working on this file as I am in strong belief this is a robot response. My goal is to ensure that my credit report accurately reflects my credit history, free from fraudulent accounts that were opened without my consent. 

XXXX. Consumer Statement : Additionally, I am considering adding a consumer statement to my credit report but would like to resolve this issue first. Please confirm whether this can be done once the fraudulent account is blocked or if it needs to be done beforehand. 

I appreciate your continued attention to this matter and look forward to your prompt response. If you require any additional information or documentation, please do not hesitate to contact me. 

Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  signed reaffirmation agreement for mortgage ...  XXXX   XXXX .    XXXX  called  XXXX   XXXX  for another reaffirmation agreement. I received it in late  XXXX  and sent it back to them. They said it took long to receive and the debt was now discharged. My bankruptcy papers show where I am reaffirming my mortgage and my car. It 's listed on page  XXXX .    XXXX  asked Equifax to investigate and sent them proof of payments and BK information.
Product: Checking or savings account

My husband wrote a check ( Joint account with myself ) back on XX/XX/XXXX ( meant XXXX ), for XXXX with check # XXXX. The payee called and told us that he didnt receive the check, so another check # XXXX written for the same amount on XX/XX/XXXX, and the payee cashed the check on XX/XX/XXXX. Both my husband and I were going through family situations and had to go out of the country on XX/XX/XXXX. both my motherin- law and father-in-law being XXXX XXXX for during those months. Mother-in-law XXXX XXXX on the XXXX and father-in-law XXXX XXXX XX/XX/XXXX. ( 12 days apart ). After both XXXX  we got back on XX/XX/XXXX. With everything going on we didnt notice that the check # XXXX was cashed on My XXXX. This is not an excuse for not reviewing the account, but they asked for the documents related to the travel My husband received a call from a manager at one of the local credit union banks on XX/XX/XXXX, that a check that was written by husband was altered and deposited by one of their customers into his own bank account through ATM. They caught it because the original name was crossed and wrote his own name upon their review. Also, the date of the check was XX/XX/XXXX, it was altered to XXXX. So, they held the funds and called my husband and told us to go to our bank, which is Chase and fill out a form and submit with check copies and a statement about the situation. So, we both went to the branch and had a meeting with the branch manager and submitted all the documents.

The following week we received two letters in the mail from the Chase with a cover letter and the same form we filled out at the branch to fill it out again. So, I called the number, and they told me to do the same and submit the documents again. Even though I told them we had done this already, they needed it again. So, I did submit by online again. Called them again after few weeks, same request again, submit documents again. This doesnt sound right, since all these documents, including the copies of the checks, are available online for them. This went on three times. After many calls and escalating the issue with different departments and managers, they notified us that since we didnt dispute this transaction within the bank allowed time, they can not do anything about it. When I contacted the Credit union, the deadline was not passed, and they are holding the funds to return to chase so that it can be credited to our account all Chase has to do is to contact the Credit union. The Manger at the credit union tried to contact many times chase, they would not cooperate and she even send an email, but, no response. 
Apart from all this, I was puzzled by the treatment of the personnel at the bank fraud department. I felt like I was being treated as if I was the one who did wrong not the person who stole the check. The thief in this case was caught and handed over to them, but they dont want to do anything about it. But I spent many hours on this and the frustration it caused me was unrelievable! If you can do anything in this case I would really appreciate it!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is on US Bank for failing to correct credit bureau reporting. I have been a customer in good standing with US Bank for at least ten years but have rarely used my card in the last few years. XXXX XXXX has had a history of charging my card without my knowledge after new vehicle purchase. It seems like the dealer might be providing my credit card information without my consent. This occurred in XX/XX/XXXX and XX/XX/XXXXand both instances were disputed and the charged amounts were refunded by XXXX XXXX. As a result of these fraudulent charges, my credit card went 60 days late as I was not aware of the charges and I do not use the card. The credit card company agreed the charges were fraudulent and reversed both late payments and the interest charged. However, they have not corrected the late reporting to the credit bureau.
Product: Debt collection

On XX/XX/2021 at approximately XXXX XXXX  PST, I received a call from a collections person stating that it was an attempt to collect a debt. She said my account was 13 days past due and I disagreed because I made two payments and canceled the second one. 

After asking questions I found out that TD Bank ( XXXX  ) had canceled my first payment set up on XX/XX/XXXX because I had two payments for the same month making it appear that I hadn't made a payment. 

They later told me that I didn't have to pay the {$29.00} late fee but it would be taken off at the end of the payback time. This is a tactic often used by banks attempting to leave on the additional fees without the consumer noticing it. When they set up the account back in XXXX I also noticed that they added on additional money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to XXXX to investigate 2 hard inquiries on my XXXX and Transunion credit report and they found that the inquiries were to be removed since XX/XX/2017. XXXX and I have fax and mailed numerous letters to remove credit inquiries ie XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX XXXXXXXX ) and I have not get any results from any of the Credit Bureau and its becoming frustrated that these inquires has impacted my credit score
Product: Debt collection

Midland Credit is trying to claim a debt was opened in XX/XX/XXXX when in fact the service with XXXX was discontinued in XX/XX/XXXX due to the fact that the area I lived in had no service at all. I switched to XXXX with only 2 months left on a 2 yr contract. They are claiming the debt was opened in XX/XX/XXXX but this is totally false, this to avoid the fact that they are well past the statute of limitations for the state of Florida and they know it. This debt was over 3 yrs old when they first filed it in XX/XX/XXXX and if anything the amount owed would have been 2 months not the price of the full 2 yr contract. In XX/XX/XXXX all debts were cleared while applying for a mortgage. I demand documentation from XXXX as proof that we had any open accounts with them after XX/XX/XXXX, I have not spoken to or verified any debts with them in order for them to start the clock running again. They buy old debts and then add hundreds of dollars to the original amount and keep updating it as a new debt on my credit report.
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX  I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )
Product: Mortgage

CMG Mortgage failed to apply my escrow funds to my new homeowners insurance policy on XX/XX/year> with XXXX policy number XXXX through XXXX. 

The previous insurance company, XXXX was canceled and submitted fraudulent documents to CMG in the amount of {$6300.00} an increase of approximately 225 %. 

A cancellation letter was mailed to XXXX XXXX ( mortgagee ) on XX/XX/year> for nonpayment of premium. 

XXXX XXXX was out of state working and upon discovering the insurance cancellation immediately had a new homeowners policy in place XX/XX/year> with XXXX XXXX XXXX XXXX XXXX through XXXX. 

XXXX XXXX ( mortgagee ) learned of XXXX submitting fraudulent documents to CMG Mortgage in XX/XX/year>. 

XXXX XXXX was advised by CMG mortgage via phone conversation and in writing to cancel the homeowners policy through XXXX ( which was already done in XX/XX/year> to go into effect XXXX XXXX ). 

CMG mortgage doubled down on stupid in writing requesting the information of my homeowners insurance policy for XX/XX/XXXX, XXXX XX/XX/year> after my new insurance policy to XXXX XXXX XXXX XXXX XXXX XXXX paid through escrow. 

XXXX had to be threatened with a lawsuit to return XXXX XXXX money. XXXX needs a lawsuit for filing fraudulent documents to mortgage companies. 

CMG Mortgage needs to admit the notification of errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have a claim denied on Bank of America for the amount of {$120.00} due to fraud associated to my account. However I called to get more information as to why it was denied as they stated upon to exact information being wrote as to myself as if I did this transaction which I did not and this was around the holidays. Around each year around the holidays I always experienced fraud with them I never had a problem with denied claims as to now. Im in shock I am assuming someone close to me may have gotten to my info to do this transaction without my permission to this merchant. I would hate to close my account and move to a different bank due to this matter I have been with them for several years. But I do received a lot of fraud around the time of the holidays each year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX XXXX XXXX XXXX XXXX with the amount of {$7300.00} - XXXX XXXXt XXXX XXXX XXXX with the amount of {$3400.00} - XXXX XXXX # XXXX with the amount of {$2300.00} - XXXX Bank XXXX # XXXX I have also noticed these unknown addresses that appeared on my file : - XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX  XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX CA XXXX I have already reported the incidents to the credit bureaus ( XXXX, Experian and XXXX ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank you.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX