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

Between XX/XX/XXXX and XX/XX/XXXXXXXX  a check was stolen from my checkbook without my knowledge. On XX/XX/XXXX, I was attempting to make a small purchase at a grocery store, when my card was declined. I went straight to my bank, at the time they were called, Bank of the West. There I was told that I was in the negative over {$800.00} due to a check being cashed in the amount of {$1000.00}. We verified that the check was not something I had written as I did not know the person the check was written to, the signature and handwriting did not match any of my prior checks, check was out of sequence, and I do not pay for tuition for anyone. The bank placed a flag on the account and I was told that they would file a police report. On Monday, the bank manager contacted me and told me I was the once that had to file a report, I immediately filed the report to the XXXX XXXX Police Department : XXXX XXXX. BMO closed my account and would not allow me to open another with them. I had to take my business to another local bank. On XX/XX/XXXX, I received a letter by mail stating that the overdraft had been sent to collections to XXXX XXXX XXXX XXXX XXXX XXXX. I do not owe the bank any money as this was a fraudulent cashed check, in fact, they still owe ME the balance I had on my account prior to them cashing this check.
Product: Checking or savings account

XX/XX/2020 - I opened Checking and Savings accounts with Citibank. I transferred {$2000.00} to Checking account. 
XX/XX/2020 - Someone stole letters with a Citibank debit card and a pin code. 
XX/XX/2020 - Someone used the stolen debit card to make purchases in XXXX and XXXX in the amount of {$640.00}. 
XX/XX/2020 - I checked balance and found unauthorized transactions in my account. I locked the debit card immediately, called to Citibank and created a claim. 
XX/XX/2020 - XX/XX/2020 - During few months I tried to return my money from Citibank. It is second complaint about this issue. More details about my steps in the first complaint XXXX. 
XX/XX/2020 - I created first complaint in Consumer Financial Protection Bureau. 
XX/XX/2020 - I received a response from Citibank through CFPB that my claim for Checking account was reopened. First complaint was closed in that time. 
XX/XX/2020 - Citibank denied my claim for Checking account again in the third time. 

Additional details for investigation : - I had never received the debit card. I didn't authorize anyone to use my debit card. All transactions from the debit card were unauthorized. 
- Purchases happened XX/XX/2020 in XXXX XXXX, CA and XXXX, CA. I was in a trip in XXXX XXXX, CA from XX/XX/2020 to XX/XX/2020. You can check my Costco Anywhere Visa Card by Citi-XXXX which have transactions for the whole period of my trip as a prove. I attached the file with transactions. Also, I attached XXXX receipt for that time. I went to the trip together with my wife and my friends. They can be witnesses. So, I was physically out of town and I wasn't able to do that purchases. 
- I had never received letters with the debit card and pin code. Please check USPS tracking data when Citibank mails were delivered. I notified USPS Informed delivery service about missed mails for XX/XX/XXXX. Feel free to compare tracking data for Citibank letters with my missed letters. 
- My mailbox wasn't broken. I didn't share keys from mailbox with anyone. XXXX XXXX XXXX XXXX leasing office is aware of my problem and they changed the lock in my mailbox. 

Questions to Citibank : - My debit card has " Zero liability guarantees ''. I notified Citibank about fraud in few hours as soon as I found unauthorized transactions. In accordance with the law and my Citibank debit card agreement I should not be responsible for unauthorized transactions. I didn't authorize anyone to use my card. Should I provide any additional form to claim it? 
- Why debit card letter and pin code arrived at the same day. It is a big security flaw. Why should I pay for it? 

Note : Another claim for Citibank Savings account is still in progress. I sent " Signed Statement of Unauthorized Use Request '' form for Savings account XX/XX/2020 to Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) XXXX XXXX   and resolved by the grantor ( s ) XXXX XXXX is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( XXXX XXXX  ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX  XXXX XXXX, XXXX, LA XXXX.
Product: Credit card

Submitted multiple complaints that all were decided in the consumers favor as Navy Federal continues to disregard original guidance and decisions from CFPB.
Product: Credit reporting

XXXXComenity bank did a Hard Pull on my credit which on XXXX different dates XXXX/XXXX/17 and XXXX/XXXX/17. I absolutely did not authorized a Hard pull much less twice on XXXX different dates. Spoke rep and they said ca n't remove I need to dispute it and she agreed that they only do SOFT pulls. Please help remove I 'm trying to purchase a home. Would not agreed to hard pulls. Thank you
Product: Checking or savings account

On XX/XX/XXXX I put a downpayment of XXXX on a whiskey mink coat at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Il XXXX. I would than make several more payments on XX/XX/XXXX for XXXX, on XX/XX/XXXX, XXXX made another XXXX debit card transaction on XX/XX/XXXX all of my payments were made with my BOM Mastercard debit card. Then on XX/XX/XXXX I paid the remaining amount of XXXX. That coat was paid for on that date and an appraisal was typed up and I was to pick up the whiskey mink coat on XX/XX/XXXX. However, I saw a black sheared mink with chinchilla collar. So, I canceled the whiskey mink and the appraisal document was given back to the merchant. 

I had to pay an additional XXXX. The merchant said that he didn't know when he would have the coat. This he said after he debit my account. It was a special order. Not knowing when I would receive my coat, I returned several time and each time no coat. So after 28 days I filed a dispute with the card issuer, BMO Harris. After 40 days, they denied me a chargeback on XX/XX/XXXX. 

The bank denied me a chargeback because the merchant showed videos of me paying with my debit card. I was paying on the layaway but I never received the coat. I never signed the space on my copy of the receipt date picked up line. I never signed an appraisal for insurance purposes. I never told the bank that it was fraud, but I did tell it that I never received the coat totally XXXX. I have the unsigned receipt showing the money amounts and a unsigned pickup date. Please address my concerns.
Product: Checking or savings account

Being careful, that this is not a repeat complaint. This complaint will focus on only ONE aspect of my dealings with Wells Fargo in which they have not followed through as stated. 
According to the XXXX and various other survey analysts, Wells Fargo Bank is one of the most hated banks in the Country. And I can see 1st hand, why this is true. When a Financial Institution plays games with my money, I feel very violated in a tremendous fashion. 
This complaint will focus on one aspect of my dealings with Wells Fargo. When my Email was hacked, I immediately contacted Wells Fargo, and disabled and deactivated all accounts. Even after doing this, Wells Fargo still allowed Identity thieves to go in my accounts and steal {$8800.00}. 
On XX/XX/XXXX, I contacted the Wells Fargo Executive Office and spoke to XXXX. I requested that my accounts be immediately closed, and the remaining funds of {$3500.00}, be mailed to my home address. And this is all on record. This account needed to be closed, prior to the identity thieves also stealing what was left. XXXX with the Executive Office said that this would be done ( 0n recorded phone call ). As of the date of this complaint, XX/XX/XXXX, I have yet to receive my funds. This would be a start on my Recovery of {$8800.00}, in which Wells Fargo disburshed in Fraudulent transactions, after I had all accounts deactivated and disabled. Wells Fargo will not communicate with me other than response to complaints. They refuse to answer Emails and letters, to numerous to count. In my phone calls to Wells Fargo, they refuse to answer questions. I can not understand how a Financial Institution such as Wells Fargo continues to stay in business, as they are overseen by government onersight agencies which should hold them accountable. 
I'm very upset at myself for not researching Wells Fargo, prior to trusting them with my retirement savings.
Product: Checking or savings account

My complaint is with Experian. I just simply wanted to freeze/unfreeze my credit online. 

Basically, within their website, they duped me into opening a checking account while in the process of just checking and unfreezing my credit. I am a very computer savvy person and pay close attention, but somehow this account was made without my knowledge. 

A month later, after getting dozens of spam emails from them marketing their account services, etc. I go to their website to cancel this account that I did not want.

Of course, this process can not be done online ( but ironically opening the account was so simple I didn't even notice it ). They direct you to a phone number to complete the closure of the account.

Needless to say, an hour later, 8-9 different reps and at least 4 dropped calls they FINALLY got me to the person to close this account. Not only that, but this person was prompted to try to sell me some other service from Experian while this process was going on. 

This was about the most incompetent and shady dealing I have ever had with any company in my adult life, yet they are one of the " Big Three '' credit reporting agencies. It's almost unbelievable.

Not only that, but they would send dozens of emails a week about their " services '' and other nonsense that I had no interest in. XXXX and XXXX did nothing even remotely similar- And I froze and unfroze my credit with all 3. 

I am highly dissatisfied with my experience with Experian and think they should be embarrassed for their unbecoming and pushy behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Acct Name : XXXX XXXX XXXX  XXXX Acct # : XXXX, Acct Name : XXXX XXXX XXXX Acct # : XXXX, Acct Name : XXXXXXXX XXXX XXXX XXXX Acct # : XXXX, Acct Name : XXXX XXXX XXXX Acct # : XXXX, Acct Name : XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 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.

Remove these late payment and update this account immediately as you are indirect of several laws under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a letter of Notice of Data Breach from XXXX XXXX regarding the data breach that was discovered on XX/XX/XXXX. The following inquiries viewed by others and me that are currently listed on my Chex Systems Consumer Report ID : XXXX are fraudulent inquiries and comes from the data breach from XXXX XXXX : XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, per XXXX XXXX letter they requested credit bureaus to remove fraudulent inquiries from my credit report, I waited 45 days and those fraudulent credit inquiries are still reported on my credit reports. 

Fraudulent Credit Inquiries from the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am demanding those fraudulent credit inquiries to get removed from my credit bureaus right away since I already waited more than 45 days, and I need confirmation that those fraudulent credit inquiries have been removed from my credit bureau.
Product: Credit reporting

I am a victim of identity theft. I have faxed and mailed my identity theft affidavit and police report to Equifax Credit Bureau as well as letters from companies stating that they will remove my information from their data base ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX that are reporting fraudulent accounts on my credit report. Someone has obtained a personal loan from XXXX XXXX XXXX XXXX and a auto loan from XXXX XXXX XXXX. I am not sure if Equifax Credit Bureau is even submitting my disputes with my documentations to XXXX XXXX XXXX XXXX & XXXX XXXX XXXX to support my claim. I also reached out to XXXX XXXX XXXX regarding fraudulent activity on my XXXX XXXX credit card. Someone made a duplicate credit card with my information and made over {$3000.00} of transactions. I sent XXXX XXXX all of my supporting documentation ( identity theft affidavit & police report ) but my credit card is still maxed out when my balance should be nearly {$1700.00}. " PLEASE HELP ME '' ... ....
Product: Credit reporting or other personal consumer reports

Under the FCRA, I am entitled to a reasonable and thorough investigation of my dispute, and I believe this standard was not met I have disputed a couple of accounts in XXXX XXXX XXXX and was not given proper investigation nor follow up
Product: Credit card or prepaid card

When I make an online payment to my credit card, there is absolutely no indiction anywhere in my account that there is a pending payment, so I have made two payments a number of times, indavertantly. I have complained to the company and they have not fixed the issue. They have re-vamped their website, and if I apply for any type of loan, the pending application is immediatley shown at the top of the screen. So its not that they can not show a pending payment, they are choosing not to show pending payments. All my other credit accounts clearly show " pending payments ''. What PEN FED is doing is misleading consumers about their payments so they make double payments, which are then non refundable.
Product: Debt collection

I received notice from a law firm that a collection agency was demanding money from me from a credit card. I asked over phone and in writing for verification of debt. The law firm did not reply and started an action against me in court without serving me I found it accidentally when looking for something else on XXXX website, so I went down to court to contest and have a hearing on XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXXXX/XX/XXXX - XXXX XXXXXX/XX/XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX - XXXXXX/XX/XXXX - XXXX XXXX AXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

Company has misused their role to involve bank account from another account info which is violating rights to card policy agreements.
Product: Credit reporting or other personal consumer reports

On XXXX i noticed XXXX hard inquiries that i didn't authorize. XXXX was on my XXXX  report and XXXX wer on XXXX XXXX. XXXX from XXXX  XXXX and XXXX from something called synchrocity or something like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

MMS Mortgage is not reporting accurate payment history for my account. My credit report says I haven't made a mortgage payment since XX/XX/2021 however my account is current & payments have been made on-time and in-full through XX/XX/2021. I have an account activity report showing on-time payments, an email from an account rep at MMS and the most recent account statement showing that my account is current. 
The following months are showing up as NOT paid ( which is NOT correct ) XX/XX/2021 payment, XX/XX/2021 payment, XX/XX/2021 payment, XX/XX/2021 payment, XX/XX/2021 payment, XX/XX/2021 payment. All of these months have been made on-time AND in-full. I need MMS Mortgage to update payment history and Recent Payment History so that my credit report is accurate. I've filed multiple disputes through XXXX & each time MMS responds saying that my credit report is accurate. This has been going on for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial did not notify me that car owner for whom I co-signed was behind in payments. I only found out when my credit score declined by 130 points overnight. When I asked why I was never given notice, Ally gave me confused addresses and refused my offers to pay off the car owners loan.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to demand the immediate removal of a fraudulent account that continues to be reported on my credit report despite my multiple disputes. This account, which I have previously disputed, is clearly inaccurate and does not belong to me. It has been reported multiple times after I provided ample evidence of fraud, and I have complied with all legal requirements under the Fair Credit Reporting Act ( FCRA ). 
Let me be clear : I have disputed this account multiple times through your dispute process, and each time, this fraudulent account has remained on my credit report. This is a direct violation of my rights under the Fair Credit Reporting Act, which requires credit bureaus to correct or remove inaccurate, incomplete, or unverifiable information within 30 days of a dispute. It is also a violation of the FCRA Section 1681i ( requiring reasonable investigation ) that such a dispute should result in the removal or correction of any fraudulent information.

Your failure to remove this fraudulent account after multiple disputes is not only frustrating but also illegal. Furthermore, under Section 1681s-2, your obligations extend to ensuring that only accurate and properly verified information is reported to the credit bureaus. As this account is fraudulent and unverified, your continued reporting of it on my credit file is an egregious violation of my rights.

I hereby demand the immediate removal of this account from my credit report, effective within 5 business days. I expect a confirmation from your office in writing that this account has been permanently deleted. Failure to take immediate action will leave me no choice but to escalate this matter. I will pursue complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney Generals office, as well as consider legal action for violation of the FCRA and any harm caused by this inaccurate reporting. 
Additionally, please provide me with the following as required by law : The name, address, and phone number of the entity that reported the fraudulent account to you. 
A detailed explanation of the steps taken to investigate my dispute and the reasons for the continued reporting of this fraudulent information. 
Please note, that I am keeping detailed records of all communications with your agency. If this issue is not resolved in a timely manner, I will take further steps to protect my credit and seek full legal redress for the damage this fraudulent account has caused. 
I trust this will be handled promptly. 
Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

There is a NEW XXXX stand off between OCWEN and XXXX and my autistic son XXXX XXXX is getting hurt by OCWEN and XXXX blaming each other instead of restoring my perfect six year payment history so I can get a personal loan to fix my son 's XXXX. An XXXX doctor said that if he had teeth like my son, he would want to be on XXXX until the XXXX got fixed. XXXX can not take XXXX and is suffering intense pain until OCWEN and XXXX undo the damage preventing me from getting a loan for XXXX ' XXXX XXXX. This nightmare has been dragging on for months now. Here is a link that shows you OCWEN was engaged with a similar XXXX Stand Off with XXXX in XXXX 2016. The ongoing and various delays have turned this into an Americans With XXXX matter. My son could have had his XXXX by now. Because of the various delays, we have no idea when I will be able to get the loan now. I did nothing wrong. My autistic son XXXX did nothing to deserve being kept in pain like this. Here is the link to the blog about this most recent XXXX Standoff with OCWEN and another party with me and my son trapped in the middle. This should not even be happening. 

XXXX