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

I was victim of fraud via phishing. Without a proper investigation, the bank ( Citibank ) denies my claim stating that I have provided account information or authorization for the transactions. 

On Tuesday, XXXX XXXX, XXXX at XXXX I received a text message for XXXX : Citi : Your Citi ONLINE ACCOUNT has been temporarily locked due to a suspicious activity. Visit XXXX XXXX XXXX to verify yourself and regain access. 

After clicking on the link, it directed me to the Citibank sign in portal page, in where I entered my User ID and Password, and I closed the page afterwards. 

Later that day, I received an email from my cell phone server " XXXX '', saying that my XXXX has been changed from a number to another number, and had no phone service after that email. I called XXXX and they advised me to go to a store and get the SIM card replaced, I did so. 

On Thursday, XXXX XXXX, my XXXX has been changed form a number to another number, and I had no phone service. 
Later that afternoon I received an email from XXXX account team saying that my password was changed. 
I had no phone service, neither access to my emails. 

I checked my Online Banking Account and I spotted 3 unauthorized pending wire transfers transactions and a XXXX transaction. I called the bank several times and reported the XXXX fraud, they ask me to call back to report the Wire frauds the morning after due that the Wire Transfer Department was closed after XXXX. 

Recipient : XXXX XXXX : {$5000.00} Citi bank was able to stopped the wire on XX/XX/XXXX. 
Recipient : XXXX XXXX : {$7000.00} were wired out of my account. Bank has denied my fraud claim. 
Recipient : XXXX XXXX : {$900.00} were wired out of my account. Bank has denied my fraud claim. 
{$2500.00} trough zelle founds out of my account ( recipient : XXXX XXXX ). Bank has granted me the claim. 
Personal Loan trough CITI ( was denied, I sow the denied email today after recovering my email account ).
Product: Credit reporting or other personal consumer reports

I found fraudulent inquiry in my credit report XXXX XXXX  XXXX.Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and observed Syncb/Care Credit has a closed account reporting on my XXXX, XXXX, and XXXX Credit Reports . I called Syncb Bank/Care Credit with intentions to diss the acct that was reporting on my credit reports. I was told by 2 representatives that they no longer owned the XXXX and the accounts were sold to XXXX XXXX. I inquired to the representative as to why Syncb/Care Crecit was still reporting the account to the credit bureaus if they sold the account, and no longer owned the account? The representative was unable to give me an answer and stated these things took time. I also informed the rep that I knew my consumer rights and is well aware that 2 different companies could not collect on or report the same debts. I am requesting that Sync Bank remove all listings of this account with each bureau that they are reporting to. 
RE : Account # XXXX
Product: Credit reporting

Transunion has reinstereted a prior blocked FACTA ACT fraud account on my credit report causing massive irreprerebalw harm. They sent no notification of resinserion as required by law what 's more the account was blocked nearly a year ago after supplying them With inordinate amounts of proof the account was fraudulent! They miss remove the rand brooks account
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to orecent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Debt collection

I have recently been a victim of identity theft and as I went over my credit report I came across this account Gentry Fin that I noticed does not belong to me. Identity theft has drastically effected my lively hood and life and im asking that this account that I have no knowledge of or did not open to please be removed and deleted as it has been reported as Fraud.
Product: Money transfer, virtual currency, or money service

XXXX  has had my account on lock since XX/XX/25. Due to me not being able to add my bank I had to get my account placed on hold to do that. Now that I have completed it. They will not unlock my account. I have {$19.00} in my account that they wont let me withdraw. I have reached out to them and they claim the account specialist is handing it but will not let me speak directly to them. This is very frustrating for me because I really need to be able to access my XXXX  account.
Product: Vehicle loan or lease

I'm concerned about the additional products that I was told I had to purchase plus the high rate of interest down payment etc etc with credit acceptance I filed a complaint with the attorney already but I mean I'm trying to make sure that I follow through with all the steps
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, HERE ARE THE LIST OF THE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

Thereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit card

I had an unauthorized charge on my credit card with Chase Bank that was for a XXXX luxury hotel in a country ( XXXX ) XXXX have never been to before. This charge was affiliated with a 3rd party travel company ( XXXX ). 

Luckily, I thought this would be easy to help dispute as I happened to be away on a work trip to XXXX during the week of said fraudulent charge. After an initial declination from Chase, I submitted all the proof as requested by the bank on XX/XX/year> which included airplane ticket, hotel receipts, etc. that showed my time in XXXX for the dates mentioned. 

Chase sent me a letter date stamped XX/XX/year> that they were re-denying my claim and closing out the case permanently. 

I have never filed a fraud dispute before with the bank in the 15+ years I have been a customer.
Product: Credit reporting

On XXXX/XXXX/16 I check my score and transunion was there then on XXXX/XXXX/16 it was removed saying I do n't have a score that 's incorrect please fix and update that issue as soon as possible thank you that an error on transunion
Product: Debt collection

ATTENTION TO I.Q. DATA INTERNATIONAL ( XXXX XXXX XXXX  XXXX  ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$420.00} does not belong to me. This account was fraudulently opened through this company I.Q. DATA INTERNATIONAL ( XXXX XXXX XXXX XXXX ) in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and XXXX unauthorized hard inquiries have appeared on my credit report. These inquiries were made by Bank XXXX XXXX and XXXX XXXX XXXX XXXX I did not initiate or authorize these inquiries. Despite my attempts to resolve this directly with the creditors, these inquiries remain on my report, negatively affecting my XXXX XXXX. I request that these inquiries be removed from my credit report immediately.
Product: Mortgage

In May 2016 I changed insurance companies from XXXX to XXXX XXXX. My XXXX annual rate was {$4700.00} and my escrow payment for insurance was {$390.00} per month. When my renewal I had paid {$390.00} for 12 months prior and had enough money to cover payment for my annual renewal. I did not have a escrow shortage at that time. I found insurance cheaper with XXXX XXXX and my annual premium decreased to {$1300.00}. I am aware my escrow payment should be for insurance now {$110.00} per month. That is a saving for me {$280.00}. My mortgage payment should have decreased and the amount of escrow payment should have decreased too. I contacted my mortgage loan servicing company and faxed them proof of my new insurance and amount. I also paid XXXX XXXX in full entire premium {$1300.00} for one year. My mortgage company did and escrow analysis and told me I had a shortage in my escrow in the amount less the {$1300.00}. I contacted my mortgage company customer service department insurance dept and was informed that the escrow department was not notified that my premium had change. And was told that they were not going to inform escrow. Well if they do n't inform escrow then that was why I was getting a statement that I had a shortage. The Nationstar Mortgage is overcharging me and I do not have a escrow shortage. I am aware that the amount the lender is required to hold in escrow is only 2 months in reserves not 12 months in reserves. Nationstar will not adjust my escrow and mortgage payment and is in violation of the Respa servicing escrow regulations. Please assist
Product: Debt collection

I HAVE BEEN REQUEST EQUIFAX TO REMOVE FOR CREDIT XXXX XXXX XXXX TO REMOVED THIS ACCOUNT FROM MY CREDIT REPORT FOR OVER A MONTH THEY HAVE REMOVE ITEM.
Product: Credit card or prepaid card

On XX/XX/XXXX, the balance on my Lowes/Synchrony Bank credit was paid twice. I contacted Lowes/Synchrony Bank the next day and I requested that the amount be restored to my bank account. I was told that was not possible even though thats how it was paid, digitally. I was told a check would need to be issued. It has been more than 3 weeks. My account still shows a negative balance which means the check hasnt begun to be processed. I am requesting your assistance for this reason.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Re : Request to Cease Communication Account Number : XXXX XXXX XXXX # XXXX Dear Sir/Madam, I am writing in response to your recent attempts to contact me regarding the above-referenced account. I am requesting that you immediately cease all further communication with me regarding this debt, as authorized under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

As per 15 U.S.C. 1692c ( c ), I am exercising my right to demand that you stop contacting me in relation to this debt. I request that you refrain from making any future phone calls, letters, emails, or any other forms of communication regarding this matter. 
Please note that this request does not constitute an acknowledgment of the debt or an agreement to pay. It is a formal request to cease communication under the FDCPA. If you fail to comply with this request, I will consider reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state agencies. 

I also ask that you please send me written confirmation that you have received and are complying with this request. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my credit union to apply for an auto loan and was approved with a high interest rate. I ask them why was my interest rate so high and they said because of my credit. Now I dont check my credit everyday but I know that my scores were above 700 and has been that way for the past 20 years. I went home and took a look at my credit on the XXXX XXXX thingy and I see several accounts on here that are not mine XXXX, XXXX XXXX XXXX, XXXX. I also see several student loans on there that are not mine. Now that really was the red flag because I didnt even graduate from high school so how is that possible. The last thing I see are lots of Inquires that are not mine XXXXXXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. I also filed a complaint with the FTC and my police station here. I am doing this on my own and need someone help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

We held a credit card account with Bank of America ( XXXX Visa ) going back to XXXX. We moved to XXXX in XXXX, but kept our US bank accounts active and had this credit card on automatic payments monthly. At some point, Bank of America sold these accounts to XXXX XXXX and our automatic payments became null and void. We were unaware of this change for a number of months due to the delay in getting correspondence to us in XXXX. We were finally made aware when a collections agency contacted us with regards to our account. At this point, we made a payment arrangement with the collections agency and paid the full balance owing on the card. 

Our credit report shows FAR more late payments than was actually the case, firstly. Secondly, the account has been paid in full. Thirdly, when I tried to resolve the matter with Bank of America, they can not even locate our account in their archives or anywhere to corroborate our account details. We shouldnt be penalized when Bank of America can not corroborate our late payments or whether or not the account was paid in full. We have all of our documentation still on file.
Product: Bank account or service

We are in the midst of refinancing with Bank of America, with supposed date to close escrow today. The overall communication is very poor with Bank of America. We get inconsistent emails and phone calls on the progress and requirements needed for loan documentation, and the worst item is that our appraisal report was incorrect. The B of A loan manager still stated that our home value ( which we dispute ) is still the same and we still have to pay the appraisal fee. We 're sticking with this refinance as the locked rate is low and fits within our budget, but I want to know is there any accountability that Bank of America and XXXX Appraisal? We also request that we do not pay for the inaccurate appraisal report.
Product: Credit card or prepaid card

on or about XXXX I called Capitol one to get advise to have XXXX XXXX added as an account manager to aid me when I was out of the country. Capitol one tried to get me to add XXXX XXXX to my account and give him a card. While talking to Capitol one on speaker phone with XXXX XXXX with me I refused to had him to my account or have him have a card. At that time XXXX XXXX already had 2 credit cards under his name with Capitol one. The person acknowledge it he was authorized to talk to Capitol one when I asked him to to resolve any issues just as someone at a company would have that option to clear up any matters. 

Where I go cell phone service it weak to none, landline are far and few. In fact I had an issue prior to having XXXX XXXX added as an account Mgr Capitol one would not talk to him they advised him to have me call collect. That does not work in the XXXX I tried I got the look go away they think I'm scamming them to make a call to the XXXX make them pay, THEY DO NOT UNDERSTAND THIS CONCEPT.. was stuck and screwed over by Capitol one. 

I also found out from XXXX XXXX that YOU CFPB Refused to help him out and Colluded with Capitol one helping them cover up their Gross Error and their Lies. 
XXXX. Capitol one has NEVER mailed anything OR called OR Left any messages of any sort to XXXX XXXX Per your report that you closed on him. Because of this Capitol one is still screwing up his credit report with my Credit Card that HE IS NOT AUTHORIZED TO USE. You sit there and tell him he is lying and so am I, when both of us were with the Capitol one rep as witnesses to their Fraudulent lies to force themselves on to his credit report. You get this fixed or I'm going over Your Head. XXXX XXXX is only an account manager to assist me when I can not. Do you get my understanding? this is my ONLY and FINAL WARNING. Capitol One Rep Steve over the phone told XXXX XXXX they unlawfully added him to my account without my Knowledge and forced a credit report under his name, that is FRAUD and ILLEGAL. Fix or or else. YOU WORK FOR ME NOT CAPITOL ONE.
Product: Credit reporting or other personal consumer reports

Hello, I have been a Victim of Identity Theft, I have made a police report as well as a FTC report. I have sent all documents to Experian, XXXX, and XXXX explaining the situation of my identity being stolen and in the process of getting a new SSN from the SSA office. Unfortunately, XXXX has been the only bureau that has complied with the laws. I have also bought Experian Protection in conjunction with XXXX advance protection service to help me with this issue. Neither bureaus complied with the consumer law, even after sending in supporting documents to show my identity was stolen. I have been dealing with this issue for the past XXXX years and it has driven me to financial ruin due to my credit not recovering from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have attached the three credit burau reports. Advantage formally was named XXXX loan company. now they're named XXXX. Sh would not release info to me about the allegedly missing 180-day payments .... then she got quiet and hung up on me. she was a supervisor as well. soooooo they know i have proof of the not missed payments due to me always being on forbearance, deferment or income driven plan due to my income due to XXXX and XXXX diagnosis. attached are the whole and i mean whole list of loans ive taken and thats been three of them. also the evidence shows going back from XXXX to XXXX.
Product: Payday loan, title loan, or personal loan

On Friday XX/XX/2023 I received an email from XXXX XXXX at Lightstream XXXX stating that my loan application had been approved and to email her back to start the process. I did and then I spoke with her over the phone and then she sent me my loan documents. I did further research trying to make sure this was legitimate and did not find anything on this company. I then was told because my account was in the negative that they would be doing a " deposit " to make it positive and that I would need to return this money as a " good faith gesture '' via XXXX XXXX or XXXX., as you will see by the screenshots I did this several times and then they did another " deposit '' of XXXX and had me do the same thing but I had reached my limit so the next day I has to transfer the additional XXXX and that was the last payment I had to do. BUT they then deposited 2 more XXXX amounts in my account and tried to access my account and they were denied. By then the bank had noticed all this and froze all my accounts. I then had a negative balance of XXXX and the bank then transferred the XXXX that was in my savings for my sons wedding in XXXX to my checking account and that left me XXXX negative they have since removed all the fees and I am still almost XXXX in the negative. I have never seen any of the " loan money '' that I was promised. This is nothing if completely fraudulent and unbelievable. You will see from the attached documents that this looks very legitimate with all the FDIC numbers on the last page of the loan documents. I have attempted to contact all the numbers they have not responded to text, voicemail or emails.