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

XX/XX/XXXX a online fraudulent charge of {$1900.00} was on my Citibank credit card, I called the credit card company Citibank and on XX/XX/XXXX a refund was given for the fraud charge. I have the card card in my possession. In XX/XX/XXXX I noticed the charge back on my credit card. I contacted the credit card company Citibank In XXXX, they said they sent out a form that was supposed to be filled out & mail back. I never received the form in the mail & I never received a phone call to let me know about the situation. I was told that the fraud charge would be looked into & the charge should be refunded. XX/XX/XXXX I called back Citibank and after several customer service representatives came in touch with XXXX XXXX a supervisor. He stated that the only thing he could do was to send out an email to security dept and wait 7 to 10 days for feedback, He would not let me contact somebody in that department & he said he could not contact somebody to talk to either to get fraud situation resolved, he could only send out an email to look into the fraud further. On XX/XX/XXXX I filed a police report with local police dept, On XX/XX/XXXX I filed a fraud report to the Federal Trade Commission. I also sent a copy of the report to Citibank 's executive branch by email due to the bad customer service. ( XXXX XXXX Senior Vice President Customer Experience, XXXX XXXXXXXX XXXX Chief Executive Officer, North America, Chief Executive Officer, Citibank, Chief Executive XXXX XXXX XXXX Chief Executive Officer. I have received a voicemail from their executive response unit personnel XXXX, voicemail said she will follow up on my issue in writing or by a phone call. As of XX/XX/XXXX after leaving a voicemail and calling several times she has not given me a response back. On XX/XX/XXXX I again contacted the credit card company after the charge was still on my account. Customer service personnel XXXX talked to security dept & stated back to me that they will not look into the Fraud & will not refund the fraud charge.

The fraud information that Citibank & I have shows the fraud purchase from somebody with NOT my name, the fraud purchase shows an email address that is NOT my email address. The Fraud package has a XXXX tracking number. XXXX shows it was NEVER delivered to my address, but delivered to a XXXX access point at a store. The fraudulent person never picked up the package so XXXX sent the package back to the merchant, XXXX shows proof of delivery with signature of the package by the merchant " XXXX '' at their dock. I have also filed a credit fraud alert on my credit report. I have also filed fraud on the Citibank credit card with the credit bureaus and waiting a response back from Citibank. Today XX/XX/XXXX I am filing a consumer complaint.
Product: Debt collection

Sometime last XX/XX/XXXX, I found out after I was denied credit, I requested a copy of my credit report and found out that I was a victim of identity theft. I went to the XXXX XXXX Police Office and reported the incident. I called and sent a letter to all the creditors and submit a copy of the police report. It took a long time for me to fix this but 95 % of the creditors agreed that I am not responsible on these debts. I did have a problem with this LVNV Funding LLC XXXX XXXX account per the collection agencies. This account has been reported as my account on XXXX Credit Reporting Agency since XXXX. I was recently denied personal loan by XXXX XXXX  because of this collection that is not mine as explained to both XXXX and LVNV funding since XX/XX/XXXX and they still continue to report it as a collection. I have repeatedly requested to XXXX also to dispute this with the creditor within 30 days from the time I sent them the letter but they didn't act on it and then I found out that they reported me as deceased which I was really very very upset and complained directly by phone call and letter to XXXX to correct it immediately. 

I don't know but XXXX XXXX approved me for a credit card last year and I have maintained a good credit history with them. I called them and told me that they don't know anything about the account being reported by LVNV Funding. Please help me with this company clearing my name asap and with XXXX in which I can't get a personal loan because they are reporting this as a bad credit and a past due account. It was opened sometime last XXXX I believe on XXXX and LVNV funding started opening the account sometime in XXXX up to this present time. Attached are copies of documents I sent them to clear my account. 

Thank you very much for your attention and consideration in helping me clear my name as I honestly saying that I was a victim of identity theft. My credit standing and history is excellent at the present time after I cleared out my name on this mess. 

LVNV FUNDING XXXX XXXX XXXX XXXX, SC XXXX XXXX ( Phone ) XXXX XXXX XXXX XXXX XXXX, GA If you need me to send you the document for your review, I would be glad to email it to you if you request it. Thanks and God Bless! 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fed student loan also known as U.S department of education is the holders of the account. In their system all my balance are paid and should be reporting {$0.00} balance paid in full but all the other credit bureaus are still reporting old balances whats incorrect.
Product: Credit card or prepaid card

I got a Discover it secured credit card XX/XX/XXXX billing cycle got a lot of negatives off my credit my. I got the secured card in XX/XX/2018 my brother same situation but alot of negatives on his credit and still does. He got his card a month later he makes alot more money I am XXXX. They r discriminating agaisnt me salary and XXXX also XXXX XXXX that I have complain to u about them. It's always about the XXXX peoplrei sm XXXX off iam XXXX I contacted legsl services. XXXX XXXX is agaisnt the XXXX. Well my brother graduated I got a better fico score my vantage score should be staying XXXX but they never did off cycle. Discover or XXXX XXXX. I know u haven't help me but when I get an attorney covering all angles. White people rdiscriminated agaisnt also.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX Credit Card account inXXXX to build my credit, and attempted to pay balances off as they accrued. I made a payment of {$130.00} on XX/XX/2018, using my XXXX XXXX account. The payment was posted. 
Just ten days later, I paid the new balance of {$230.00} in full, and the payment was posted. Twelve days later I made another payment of {$100.00}, which again was accepted. 
Unknown to me the first two payments were reversed at some point in time after they had been accepted! First, I have no idea why they were reversed because there were adequate funds in the account to cover the payments, and second, I can not understand why I was never notified that they had been reversed. Third, I do not understand what being reversed even means - I have never heard of it. The payments were made on the bank that issued the card, and they were accepted, meaning the money was there. Then they were reversed? Why? Why was I not notified? 
Had I known the payments had been reversed, I would have corrected whatever the reason was immediately and made the payments on time. 
I didn't realize the payments had not been made until my account was overdue, and XXXX took action against me. They lowered my limit, and reported that I had two overdue payments due to insufficient funds! THAT IS NOT TRUE! There were funds in the account, and I was never charged an NSF fee. 
I have repeatedly asked XXXX for an explanation, but after two letters and an E-Mail contact, I have not received one! They  seem to be ignoring me. 
My position is that XXXX XXXX made a mistake, and that I did made the payments in a timely manner, now the bank is punishing me for their mistake! 
As I said at the beginning of this letter, I opened the account to build my credit, and made every effort to keep my payments current, so this really hurts me. 
Their refusal to provide any explanation or to make it right is unacceptable!
Product: Payday loan, title loan, or personal loan

I have an account with 1st Franklin Financial for a XXXX $ loan. That somehow became a XXXX loan. They also had me put my XXXX  up as collateral on the loan. Issued insurance on the vehicle that I had to pay, I had no idea that I would have to pay for. I had a previous loan with the company the balance was XXXX when I applied for the new loan.I make my monthly payments and I also make overpayments. When checking my payment history I noticed that my overpayments have been pooled as a partial payment. Which is not being applied properly which costs me more in the amount of interest being paid on the account. I spoke with the manager and she explained on XX/XX/23 that my per diem rate on the account was {$3.00}. That's about $ XXXX  monthly. Today when contacting the company I received information that my XXXX XXXXXXXX was {$3.00} on the loan. My problem is that my overpayments are not being applied to my account which keeps the interest rate higher than it should and prolong the life of the loan. At this point I am not paying any more money until we can get this situation rectified. Loan rate is XXXX % which is extremely high by any standard. And my credit score is in the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXXXXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX Account # XXXX Account name : XXXX, Account # XXXX Account name : XXXX XXXX XXXX , Account XXXX XXXX Account name : XXXXXXXX, Account XXXX XXXX Account name : XXXX XXXX XXXX, Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mines, not sure if they are mixed up with someone with a close name or just an clerical mistake ..but please remove these accounts immediately. 

1 ) XXXX XXXX {$1000.00} 2 ) XXXX XXXX XXXX {$83.00} 3 ) XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX
Product: Debt collection

I see an alleged debt on my report from midland credit management. Ive never heard of this company, Ive never done business with midland, ANd Ive NEVER received any written facts about the alleged debt. 

I fully dispute the debt but have no paper work.
Product: Mortgage

I started working with Chase Bank to solve my mortgage delinquency back in XXXX. When covid came they experienced some of the same service problems that everyone was experiencing. It was very difficult to reach some one and when I did, they were new or overworked so I got nowhere. They just kept putting me in a forbearance. Finally in late XXXX someone told us about XXXX XXXX XXXX Ohio ( XXXX ). I applied and was denied and sent to a Housing Counselor. She was able to get XXXX to approve our file. This is where the problem with Chase continues. On XX/XX/XXXX we owed {$25000.00}. XXXX had XXXX for us. All we had to do is give Chase XXXX. They would not take it. I have been trying for months to get them to take the money, hold it, tell XXXX  the difference is there so they will send the XXXX. They won't. On XX/XX/XXXX it went up to {$26000.00}. Chase still won't take the money. Now XX/XX/XXXX its {$28000.00}. Chase still won't take the money and now I don't have {$3600.00}. XXXX has been telling us for months that they have sent Chase the conditional approval. ( That is what they say they need ) Chase keeps saying they don't have it. I'm stuck in a loop. I need help. I am going to lose my house.
Product: Credit reporting

someone has tried to steal my identity and tried to open credit cards in my name. there was XXXX hard inquires on my credit report from XXXX, cbna, and XXXX all done on XX/XX/2016 I sent dispute to Equifax and they said that they could do nothing that I would have to dispute with credit card companies. I called the companies and they could n't find a record of it except XXXX. so far they have not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I had started to the process of purchasing a new home down in Florida. I had provided the new home builder with a {$40000.00} deposit to break ground on our new place. At the time of purchase, there was an authorized user account listed ONLY on my Equifax credit report that was issued by XXXX. I had noticed this error previously and placed the account in dispute. I have no idea who the owner of this account is, and Ive been a XXXX customer for almost XXXX  years. Apparently, this was never removed, nor had I received any notification of completion of this debt. My home is near completed. I have my walk through scheduled next XXXX  XX/XX/XXXX and my closing is set for XXXX XX/XX/XXXX. In final preparations for closing, my loan officer needed a new credit report since the report from XXXX had expired. To my surprise, this account is currently XXXX days past due. Because of this issue, I have lost my approval on my mortgage unless I pay the account off in full. When I was informed of this issue, I had contacted Equifax to gather all information that I could regarding this account. I then contacted XXXX and spent hours on the phone with them trying to locate this account. This was unsuccessful. I then went into my local branch to see if they could help. They couldnt find anything. So now, an account that shouldve been removed last year is still reporting and I was never provided with any results from that dispute. This account is now XXXX days past due and unless I payoff a strangers debt that is over XXXX, I stand to lose my home as well as the XXXX that is on deposit since Ive passed my mortgage contingency date. Furthermore, Equifax doesn't even have the full XXXX digit account number.
Product: Debt collection

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, Im contact the credit reporting agencies. XXXX have removed the accounts per legal requirement. But for some weird reason Equifax feels Im not following all the steps. 
XXXX XXXX  XXXX. XXXX I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with Equifax for over 6 months, Im at wits end. This is the 6th complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. 
I have filed it with a law enforcement agency. Identitytheft.gov is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally losing my mind because I have no other recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

Your credit score and more advertised a Free Credit score and wanted your credit card to verify you were a real person. They said you would not be charged and it was absolutely free. The web site is yourscoreandmore.com. The phone number is XXXX XXXX XXXX. They charged my credit card XXXX and then a week later XXXX. I got no value for any of this not even a credit score. They stole my money and will not refund it. I have called them and written them. I reported this to Consumer Reports. I still do not have my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX  Balance : {$160.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$970.00} ; 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: Checking or savings account

I wrote 2 checks. Each was for {$54.00}. The payee was the Treasurer, State of New Jersey with regard to filing fees for a Small Claims Court lawsuit being commenced by my beloved wife XXXX and me. The checks were never cashed. The Court never filed our 2 complaints. And so I placed stop payments on the 2 checks. 

The Bank of America charged me {$30.00} in stop payment fees FOR EACH CHECK! This is an exorbitant amount of money to charge me! 

I had no choice but to stop payment on the 2 checks because they were never cashed and the 2 complaints for the 2 cases never filed by the Court. 

I did not stop the checks for any mistake on my part. I stopped the checks because, to repeat, they had not been cashed and the 2 complaints-1 check for each-had never been registered or filed by the Court. 

Yet Bank of America refuses to reverse the stop payment charges or make any adjustment at all even though I stated I would complain to the CFPB if they were not reversed which I am now doing. 

I even offered to pay a lesser stop payment fee such as {$10.00} but again the Bank of America refused to do so! 

Outrageous! And I am a senior citizen of advancing age who should not have to be put under such stress as the Bank of America is causing me by their adamant refusal to refund the {$60.00} in stop payment fees or agree to any lesser sum at all!
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts 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: Debt collection

I am writing this dispute letter on my own behalf. Please be aware that I have recently studied US laws, and I am fully cognizant of my rights. I am well-versed in the provisions of the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), which grants me the right to safeguard my privacy and medical records from third parties. It is important to emphasize that I do not consent to any third-party collection agency accessing my personal financial information. While I understand that HIPAA allows for some limited information disclosure, it is crucial to note that any specific details can only be revealed with the patient 's explicit authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2017 Alert Type Inquiry Processed Date XX/XX/2017 Inquiry Date 2017-XXXX Inquirer Name XXXX Address XXXX XXXX XXXX, XXXX, OH, XXXX
Product: Credit card

I did not authorize the following information on my credit reports 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 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

I have been going back-and-forth in between the credit bureaus and Ally financial as far as correctness problem with an account that is listed as close when in all actuality it is open I have tried to fix this numerous times the dates of the account are incorrect as far as it goes pertaining to the payment history and the current status of the account I have tried to fix this numerous times over the telephone with both the credit bureaus and also with Ally financial