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

I have filed a billing dispute for my CITI Prestige Credit card for a transaction made on XX/XX/2019, CL*TRAVEL of {$1200.00}. The dispute case number is XXXX. The reason for the dispute is the service received is not as expected. After I filed the dispute, the CITI dispute team never asked me to provide any supporting materials but closed the dispute in favor of the merchant by just listen to the merchant side. The reason CITI close the dispute is " you used these services with the knowledge they were not what you originally agreed upon '', which is certainly not TRUE at all. 

The nature of this dispute is, when I book the hotel from CITI Thankyou portal 's travel website, the XXXX XXXX stated that their hotel room is SUPER CLEAN in their booking website. But when I stayed in the hotel, the room is not that clean and I get a severe bug bite in the hotel, and I know the consequence of bug bite after I leave the hotel. When I first stay in hotel I find the room is not that clean, but the hotel reject to refund the prepaid room charge, and promise they will clean the room to the required standard, but they didn't. First, I didn't know the room service I receive will be like this dirty, if I know I will never choose to stay there. No one is going to stay a room with bug issue. Second, hotel reject to refund the room charge after I tell them the issue of the room, and promise will clean the room, but they didn't. Thrid, the severe consequence of bug bite happens after I leave the hotel. So the reason that '' I understand the room situation at beginning and still choose to stay there '' is NOT TRUE. 

I called CITI dispute and explained what happened and CITI promised they will re-open the investigation. After I sent them all the supporting materials, the CITI dispute team never reach me to discuss the issue and reject the dispute for the same reason. I believe the CITI dispute team never investigate the case or even look at the supporting materials I sent to them. The reason CITI denies my dispute is not convincing.
Product: Credit reporting or other personal consumer reports

upon review of my credit report i noticed unauthorized credit inquiries. i did not authorize these inquiries and im completely unaware of how they are here. 
XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting

XXXX XXXX XXXX XXXX is being reported on my XXXX, XXXX, and Transunion credit bureaus as a paid charge off. I paid this account in full. There was no profit loss. They said they would remove it after 60/days and they have n't done that. No offer was made. I agreed to pay full amount upon the removal in all three credit resort which hant been done. I payed this item in full on XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found the following fraudulent accounts on my credit report and have provided my identity theft report to the credit bureaus yet the items remain : XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX {$9500.00} XXXX XXXX Please remove these fraudulent accounts
Product: Checking or savings account

I bank with truist/ BB & T , over the time that I have an account with them for over 3 years, I have had problems with my account balance saying one amount available and then when I use money from this account, I get hit with a overdraft fee of XXXX. I have spoke with agents several times and they have explained there reasons for this, but it never adds up to the amount that was present in my account at the time of the alleged overdraft fees. I received two overdraft fees for XXXX upon looking at my account today, XXXX XXXX 2020 when it stated on line that I had money available to use the previous day of XXXX.
Product: Credit card or prepaid card

Dear Sir, Madam, I have been using an HSBC Premier Mastercard credit card since XXXX. I have always paid on time and in full my balance statement and have maintained since the beginning an excellent FICO scores, in between XXXX. 

However, since XX/XX/XXXX my financial data are not transmitted correctly anymore to some credit bureaus. 

After complaining in XXXX to the HSBC and XXXX  among others, I don't see any tangible results and again the past week I've been refused a credit card at XXXX XXXX and I've been refused to open a XXXX XXXX  XXXX account for exemple. 

XXXX  XXXX, in their refusal explanation letter XXXX Adverse XXXX XXXX attached ) stated clearly that my credit score is missing and not available. They use XXXX, XXXX, XXXX  and XXXX. 

HSBC US uses XXXX, XXXX  and XXXX, from what they told me. 

I need my FICO score urgently back and up-to-date again as we are the process of asking an SBA EIDL loan for our partnership and I need other banks as HSBC US is winding down its retail market to close by end of this year they said in a letter. 

Thanks for your assistance in this issue. 
XXXX XXXX.
Product: Checking or savings account

On XX/XX/23 someone gained access to my debit card and used it at two XXXX XXXX, XXXX, XXXX, and an online company in the amt of {$2000.00}. I also found out that somehow they had my pin number as well, which is very concerning because I've never shared my card or my pin with anyone. The last time I used the card before this happened was at a WF atm. I received an email early XX/XX/23 telling my account was at a XXXX balance and I know something was wrong because I had my rent money in my acct. I called Wells Fargo Fraud Dept and reported it and I was advised that it would take 10 days to investigate. On the 10th day I called and was informed that my claim was denied because the chip was used. At that point I decided to do my own investigation since WF didn't and go to the different merchants to get copies of receipts. The XXXX receipts show the persons name that used my card to get them a new membership. It also shows this person name, address, and phone number. I also received the XXXX receipt that shows a different name and phone number then the person that used it at XXXX. I filed a police report # XXXX and I provided all receipts to WF and they gave me a provisional credit while they would a do a second investigation. I received a letter today that explained the claim was denied a second time because the charges are mine or I let someone use my card, but I had my card in my possession the whole time. I never let anyone use my card or give out my pin. In the letter they advised that they would be deducted the {$2000.00} out of my account. I've been a loyal customer to WF over 30 years and they are taking my money for some charges that I NEVER authorized. I will be closing my account and seeking legal advice to see what options I have.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX : {$140.00} XXXX XXXX XXXX XXXX  Balance : {$190.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$98.00} XXXX XXXX XXXX  Balance : {$290.00} XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX : {$33.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$16.00} XXXX XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$1400.00} XXXX. XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX Balance : {$610.00XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

The company " Credence '' keeps on calling every phone in my household. When I say hello, it is silence and no one answer. We have never received a dunning letter from this organization either. They are not advising what is going on or what this is for. The calls are constant and very disruptive. We do not do business with collectors and we are not given a method to make it stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Systems was notified in Early 2018 that I was a victim of Identity Theft. At the time of reporting the incident I listed off the information that was fraudulent and that should be blocked. As the FCRA has laws to protect consumers of fraud. My Wallet was stolen and in my wallet was my social security card, drivers license and even my email address. My Address was also forwarded from these crooks at the time. I reported this to the FTC and sent Early Warning Systems a FTC Affidavit explaining the crime that occurred. Additionally EWS intially blocked the information but later readded it? This information is still fraudulent and I still did not authorize this. Please block the fraudulent information listed for XXXX XXXX XXXX Routing # XXXX Account # XXXX. This account list an address XXXX XXXX XXXX XXXX, TX XXXX. I have not ever lived at this address. It is also important to note I have already reported this account to XXXX XXXX as identity theft. This account was only opened after my wallet was stolen and could not be recovered. You have been notified of the crime and should not be placing fraudulent information back on my consumer report AFTER already blocking. THIS ACCOUNT IS FRAUDULENT. Please block this account, as this is fraud. 

Additionally the Inquiries listed below are fraudulent. These have not been removed and have not been blocked. I did not authorize these either, Also I am requesting a security freeze be placed on my Early Warning Systems Report, as well as a Fraud Alert. 

Inquiry XX/XX/2018 XXXX - NOT AUTHORIZED. 
Inquiry XX/XX/2018 XXXX XXXX XXXX  - NOT AUTHORIZED FRAUDULENT. Not Permissible. 
Inquiry XX/XX/2018 XXXX - Not Authorized. 
Inquiry XX/XX/2018 XXXX - Not Authorized. 
Inquiry XX/XX/2018 XXXX XXXX XXXX - Not Authorized. 
Inquiry XX/XX/2018 XXXX - NOT AUTHORIZED. 
Inquiry XX/XX/2018 XXXX XXXX - NOT AUTHORIZED. 
Inquiry XX/XX/2018 XXXX - Not authorized. 
Inquiry XX/XX/2018 XXXX XXXX - NOT AUTHORIZED. 
Inquiry XX/XX/2018 XXXX XXXX - NOT AUTHORIZED. 
Inquiry XX/XX/2018 XXXX - NOT AUTHORIZED. 
Inquiry XX/XX/2018 XXXX XXXX - PA - NOT AUTHORIZED.
Product: Credit card or prepaid card

In XX/XX/2020 the company decided to close my account. 
I contact them and ask for the reason they told me they sent a letter, i have never recieved the letter, but i dont really care about the reason. 
I need to get back the points that they stole me with the clossing of the account. 
I attaching here the last statments i got from them it shows the amount of my points ( its XXXX $ ( 5 % bonus ) + XXXX $ ( other rewards ) ).
Product: Credit reporting or other personal consumer reports

I was notified by my credit report monitoring service that several hard credit checks occurred using my information that I did not initiate. An unknown individual applied for a credit card using my information from XXXX XXXX and Bank XXXX XXXX. Both banks have been notified of the fraudulent activity and the applications will be terminated.
Product: Checking or savings account

This is for Regions bank my account got hacked the first day, I deposited a check in savings account the check was real I paid the fee to cash it they wouldn't release my funds Everytime I tried to arbitrate they wouldn't let me, I'm on XXXX XXXX they want let me open a savings or checking account very rude and disrespectful the employees. My whole XXXX check came up missing they wouldn't let me arbitrate call the police Everytime already had money up there
Product: Credit reporting or other personal consumer reports

In reviewing my credit on XXXX I noticed several accounts in collection that are not mine, I have no knowledge of, and didnt give anyone permission to open. I disputed these items with the credit bureaus that were showing them on my report via certified mail via the USPS. I have my receipt for these letters and they are all listed as delivered via the tracking number when checking the XXXX website. I sent one letter and didn't get any responses. Then after 45 days of no reply I then sent the certified letters. The first letter I sent was via regular mail and not certified. I got a reply from XXXX and XXXX stating they thought my dispute was fraud. In my letter I asked them to validate the debt, as its not mine, they were unable to do that and when I called they said they didn't need to validate the debt they just take the word of the collector. The debt that is showing on my credit report is not mine and the debt was sold to creditors. My rights have been violated. I didn't agree to a debt that is not mine to begin with being sold to a creditor. I need to have these items removed as they don't belong to me and I have no knowledge of them. This has prevented me from buying a home for my XXXX children as a single mother. I pay my bills and debts but I refuse to be head accountable for items that are not mine and I have no knowledge of. Please help me the credit bureaus are not honoring my rights as a consumer. Thank you for your time. I have asked for a fraud alert to be placed on my credit reports through XXXX and they stated it would be in effect with all bureaus as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for a validation of debt for XXXX XXXX XXXX XXXX and was also a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA Section 807 Violation misleading information XXXX XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX
Product: Debt collection

Continue to receive robo calls from a company named Navient they claim to be a student loan servicing company. Numerous times they have pretended to be Doctors, Attorneys, and law enforcement officers. To collect private and personal information such as : ( date of birth, social security number, old account numbers, income, etc ) Information they do not have and can only acquire through false pretenses.My number is on the do not call list, I do not owe a student loan debt with Navient, or any of their service providers. I've sent cease & desist letters to their company, blocked their many numbers, some of these numbers they're calling from are XXXX hotline numbers during XXXX hours. I will be filing a harassment lawsuit against this company for fraud.
Product: Debt collection

I called the company and asked them to verify debt, I have sent emails and shown that debt is not owed, the company will not remove the debt and states that I was to difficult to talk too, I have asked for the proof that they own this debt and they continue to deny me of that, I have asked that they remove the debt with all XXXX credit reporting agencies and without assistance they tell me they will and do not, I have spent countless hours on the phone and emails and money to check to see If they have removed the debt and they have not.
Product: Mortgage

We just received our annual Escrow Account Disclosure Statement and we are concerned that LoanDepot is not accurately stating the status of our escrow account. Facts : - Beginning XX/XX/2018 our Escrow payment went from XXXX to XXXX an increase of XXXX - The new Escrow Disclosure Statement states we have a SHORTAGE in our Escrow account based on projected expenditures ( taxes and insurance ) because our new escrow payment beginning XXXX XX/XX/2018 is XXXX ( a reduction of XXXX ) but to JUSTIFY the SHORTAGE claim are adding a SHORTAGE escrow amount to the XXXX of XXXX for a total of XXXX ( a XXXX reduction to our original escrow payment of XXXX. 
We feel LoanDepot is attempting to cover up the OVERCHARGE of escrow from XX/XX/XXXXto XX/XX/2018 by CREATING an intentional shortage for the next year when in reality they did OVERCHAGE our account significantly. It looks like they are now attempting to cover it up by creating a payment schedule that makes it look like there is an actual shortage to the account when there would be a HUGE overage if the original escrow payment of XXXX remained in effect ( copies of the disclosure statement are enclosed ). They have even offered us an opportunity to pay-off this fabricated shortage by paying XXXX in advance which would keep our escrow payment at the new fabricated payment of XXXX. We believe this type of financial bookkeeping is not right and may not  be legal.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of all accounts related to my credit report that were XXXX under my XXXX XXXX Bankruptcy, which has since been closed. As you may know, creditors are not allowed to report accounts as active or delinquent once they have been XXXX through bankruptcy. It has come to my attention that the following accounts continue to appear on my credit report, which is a violation of federal bankruptcy laws. 
I have provided the list of these accounts below and request their immediate removal from my credit report : XXXX  XXXX ( Account No : XXXX ) - XXXX through Bankruptcy XXXX  XXXX XXXX  XXXX ( Account No : XXXX ) - XXXX through Bankruptcy XXXX  XXXX XXXX XXXX ( Account No : XXXX ) - XXXX through Bankruptcy XXXX  XXXX XXXX  XXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX  XXXX ( Account No : XXXX ) - XXXX through Bankruptcy XXXX XXXX XXXX  XXXX ( Account No : XXXX ) - XXXX through Bankruptcy XXXX XXXX XXXX  XXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX  XXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXX ( Account No : XXXX ) - Paid, Closed XXXX XXXX ( Account No XXXX XXXX ) - Paid, Closed/Never late XXXX XXXX XXXXXXXX XXXX Account No : XXXX ) - XXXX through Bankruptcy XXXX XXXX XXXX ( Account No : XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX ( Account No : XXXX ) - Paid , Closed/Never late These accounts were either included in the bankruptcy or were closed appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to dispute with Equifax, law violations and incorrect information on my credit report presented by a collection company named XXXX XXXX XXXX XXXX. the last dispute dated XX/XX/XXXX. that the company failed to send notice of collection to a consumer, the company refuses to communicated with the consumer unless taking payment information. Equifax was also informed that the account was involved in a lawsuit and the collection agency collecting does not have a contractual obligation, the correct date of first delinquency information and or right to collect this account. On XX/XX/XXXX Equifax was then given the information by Fax that the information on my credit report was not accurate and should be removed, Equifax proceed to use that information given and corrected the inaccurate account without verification via E-Oscar the correct validation process according to The Fair Debt Collection Practice Act. The company XXXX still has not validated any information or mailed anything in writing verifying the account. Equifax has continued reported that they have verified the information is accurate, even after I have fax over proof that the information is not, on the account the date of delinquency is dated before the date of service, if the collection agency has the right information they would have known that, which is why I don't understand why Equifax refuses to remove the inaccurate collection account and violation of my consumer rights
Product: Checking or savings account

I bank with Juno financial. My account as well as everyone elses account has been frozen for 3 days. We are not able to access our accounts, make withdrawals, make payments, or have any way to move our funds. This has caused all my bills to be unpaid and late and Im resorting to having to use only credit cards to get by. No info so far on when this will be resolved. This is causing financial hardship as well as stress and XXXX. My credit will also take a hit from late bills and payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Portfolio Recovery Associates add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Portfolio Recovery Associates has violated my rights as a consumer and I requesting legal action to remove this account immediately.