23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello, I'm writing to express the injustice regarding my Citibank credit card dispute. It was with XXXX for a case where I booked a hotel room in XXXX, XXXX and flights for my family of XXXX. The room was clearly advertised as accommodating of XXXX people but as I browsed the web site of the hotel 3 days before the trip to explore amenities, I noticed that room only accommodates XXXX people. I immediately called the hotel and they verified on no uncertain terms that they would not accommodate XXXX people and were unable to help me due to it being booked through a third party. I called XXXX that same day and they put me on hold but claimed they were unable to reach anyone at the hotel in the middle of the day on a weekday, Friday, XX/XX/XXXX. They said not to worry as they would contact me within 72 hours and that was the best they could do despite the fact that my flight was in72 hours. I then started the dispute with Citi as I had no choice but to cancel. The rep at Citi told me there was no need to cancel the trip with XXXX, the dispute should cover everything. However, in an effort to be fair to everyone, I canceled it anyway giving them 72 hours to rebook the room and flights. I also contacted XXXX XXXX  who has a 24 hour cancellation policy for any flight with an available credit toward another flight but in this case I was told this was a special flight and was not refundable in any way. The representative at Citi informed me that I would be contacted by an investigator to go over the facts of the case. After not hearing from anyone after a few weeks, I called Citi, asking to speak to an investigator several times to no avail. On Tuesday XX/XX/XXXX, I was notified by Citi that the case was closed and I was responsible for the charges except for the {$400.00} refund that XXXX offered which is less than 10 % of the total price of the trip. I feel that Citi never litigated the case on my behalf and accepted a ridiculous offer for which I should not be responsible. I would like to be contacted and have the case reconsidered after discussing the details. I refuse to accept a {$5000.00} charge for which I had no choice but to cancel because XXXX advertised the room inaccurately. I would have very likely ended up in XXXX with no place to stay had I not found the mistake and canceled. 
Sincerely, XXXX XXXX Phone XXXX XXXX Email XXXX Dispute # XXXX
Product: Credit reporting or other personal consumer reports

After carefully reviewing my latest credit report I noticed some inquiries that I did not authorize or give my signature to pull my credit. Here are the referenced inquiries : XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # 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 Section 2 : States A consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692-c : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of Any debt. I also have proof of 3 violations they also made against me and will be further pursuing monetary Relief.
Product: Bank account or service

I did not receive a XXXX form for a savings account from Key Bank. I contacted the banks website and received a reply telling me that they had sent XXXX for one of my accounts ( true, I have that ) but had NOT sent the XXXX for my other account. They advised me to go to my local bank to request a duplicate. I went to my local branch XX/XX/2017 to request a duplicate. The bank manager stated that he could not give me a duplicate because Key Bank was behind schedule had not yet made XXXX forms for many accounts including mine.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my XXXX XXXX. Account : XXXX XXXX XXXX XXXX XXXX- number XXXX payment late years XXXX In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

Bank of America- XX/XX/2018- Check Fraud Dear Dispute Center In the month of XX/XX/XXXX I was actively looking for employment through various outlets indeed, XXXX, XXXX, and ect. In the month of XX/XX/XXXX I finally received a text from an employer regarding a posting position for a real estate firm. Attached to this letter you will see the following information. I posted different properties onto XXXX, XXXX XXXX, and a few ads. In order for me to receive payment the employer requested my address and other information to process a check. Once I sent him the information he supplied me with a tracking number to receive my funds. Once the check arrived I contacted the bank that the check was made out to XXXX XXXX XXXX bank over 20x. Attached to this letter you will see the highlighted contact number of XXXX XXXX XXXX bank on my phone records. I have contacted both the local branch here in XXXX XXXX, NV { ( XXXX ) XXXX attached to this letter is also a print out of the XXXX XXXX XXXX XXXX XXXX branch contact number }. After contacting the branch a representative supplied me with the check verification line number at ( XXXX ) XXXX which I contacted over 20x and each time I was told that the funds were there and available. After getting the verification from the check verification line I even went into the branch located on XXXX and XXXX in XXXX XXXX, NV with both the envelope that the check came in and the check and told the clerk the situation. She told me not to worry about it and proceeded to deposit the check. 

Best, XXXX XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

I purchased my car from us auto sales in XX/XX/XXXX and have continued to make my payments until XXXX of XXXX there was no where to make my payments up until this time. I received a letter from Westlake Financial which is a debtor collector and not a lien holder. The letter stated I owed XXXX, which is how much my car was when I purchased it. I disputed it and even asked Westlake Financial to furnish me with my contract And they never sent one. My credit report stated that my loan was 100 % paid in full and now my credit score has dropped significantly. I have not received a bill for a monthly amount or anything. I took a look at my contract and saw that my APR is different through out the contract.
Product: Credit card

Prior to my monthly payment due date, I contacted the creditor to set up a payment to come out of my banking account on the due date.A few weeks after the due dates, I was receiving several calls from an unknown numbers and also several messages were left with my co workers at work regarding past due payment which was very embarrassing and put my job at risk. I contacted the creditor and informed them that a payment was scheduled and to, perhaps, be patient until it 'd go through and also to not ever call my job.After coming back from a 3 week vacation, I was told by co workers that this creditor had been calling everyday regarding my account being past due and which resulted in a verbal warning from my manager. I then noticed that the payment had never come out of my banking account. After contacting the creditor again, it was determined that XXXX of the digits from my banking account was missing prompting to the payment not going through.Correction was made on the phone and, afraid that this may occur again, I decided to pay off the remaining balance while I was on the phone with the agent. Several months later, I noticed that account was being reported closed by consumer request and also a late payment on my credit reports which really affected my credit score. Given all the harassments received from the creditor because of a late payment that was not my fault, I decided to dispute the reporting on my credit files. The creditor declined to remove the late payment as well as removing the comment " closed by consumer request '' because I never requested to close the account. I then decided to contact the creditor directly by mail and requested to remove the late payment.The creditor informed me that they have conducted an investigation and that there have no mistake, therefore declined to remove the late payment from my credit files. I then challenged the creditor to go back and review all prior phone conversations and my request was also declined.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX : {$780.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$880.00} ; XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX
Product: Mortgage

My mortgage company is charging outrages fees for default related costs in the amount of {$220.00} for home inspections more than one a month. Which is outrageous and not needed. I need these costs refunded. The average costs for these drive by home inspections is {$10.00} to XXXX dollars. There is no need to have a {$220.00} dollar charge on my mortgage for this. These inspections that they did were also discharged in my bankruptcy several years ago. This is unfair and unjust. I called the company and they stated they were not removing the fees. They stated they were just fees even though they are not.
Product: Debt collection

Absolute Resolutions Investment debt collection company sent me repeated emails and mailed letters in XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  threating to sue me for {$14000.00}. They eventually filed a civil sue against me for a loan from another creditor. I filed a response in court within 14 days of being served. This company is still sending me repeated emails after i have filed my legal response with the courts. I have repeatedly explained my situation and details about this debt. I have nothing further to share with them about this suit.
Product: Consumer Loan

getting debt collection calls at work and on my cell daily. They say that there is a claim against me and to call back. This is a pre-recorded message " robo call '' getting them for months at my job looking to sue me for a loan I do n't have. I think Rise Credit has sold my personal information to a scammer since they are the only ones who have my information like cell phone, bank info, social Security number and cell phone and work phone.
Product: Credit card

On XX/XX/XXXX, I discovered unauthorized and fraudulent charges on my Chime Credit Builder account. These charges were not initiated by me, nor did I authorize them. I promptly contacted Chime to report the unauthorized transactions and initiated a formal dispute under claim number Dispute XXXX. 

Although Chime acknowledged receipt of my dispute, they informed me that they would not provide provisional credit while investigating the matter. This decision directly contradicts 12 CFR 1026.13 ( c ) of Regulation Z, which requires credit card issuers to provide provisional credit upon a consumer disputing a charge. By asserting that provisional credit is not applicable, Chime is failing to meet its legal obligation to protect consumers from the financial burden of disputed unauthorized charges.

At no point did Chime indicate that they had completed a reasonable investigation or provided any valid justification for refusing provisional credit. Under 12 CFR 1026.13 ( d ), credit card issuers are required to conduct a thorough investigation and either resolve the dispute promptly or provide provisional credit during the investigation period. Chimes outright refusal to offer provisional credit, despite the ongoing nature of the dispute, appears to violate these clear legal requirements.

This situation has caused me financial hardship, as I am currently unable to recover the funds tied up in the unauthorized transactions. Chimes failure to follow federal guidelines has unnecessarily prolonged the resolution process and left me without appropriate financial protection during the investigation period.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter to Transunion, XXXX, and XXXX to investigate my inaccurate accounts on my credit report. It has been over 45 days, and I feel like I'm being taken advantage of, these consumer reporting agencies are in violation section 15 US code 1681i it states that failure to investigate within 30 days gives a reason to remove those items from my credit report, it has been over 45 days so they should be deleted immediately. 

I demand these accounts be deleted ASAP or I will be filing for litigation due to the stress this has caused me, from getting a promotion with my company. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong persons. 

The evidence will be attached below.
Product: Credit card

I recently got a job at a firm that audits Wells Fargo and in order to avoid financial independence issues going forward, I am trying to close my Wells Fargo credit card account XXXX. However, for some reason the account closure functionality on Wells Fargo 's self service online portal does not work for this account.
Product: Payday loan, title loan, personal loan, or advance loan

I applied and was approved for a line of credit in the amount of {$3000.00}. I initiated a draw of {$1000.00} on XX/XX/XXXX. I did not receive funds. I called their customer service number and was told that although I did online bank account verification, my account number was incorrect and the wire did not process. Since that time, I have done several chats with customer service online and by phone and have been told that a wire trace was initiated. I've been told the trace would take 2-4 days, then 3-5 days. I have told the company I no longer want the loan and want my account balance to show XXXX before my first payment date of XX/XX/XXXX. Their standard response is that they will XXXX my account once funds have been returned but will not provide a copy of the wire trace request. My bank, XXXX XXXX, has said the wire would have been returned immediately for an incorrect account number. I have told the company, CreditFresh, that I will not make funds available for the payment withdrawal because I have not received the loan. They have repeatedly directed me to verify my bank account which I have done several times. It has been 7 days and I do not have the funds, they say the wire trace is done by phone and that they can not provide a copy. The bottom line is they say my payment with be withdrawn until they have proof that the funds have been returned. I have offered proof that my account was not funded and they will not accept that. My most recent phone call was XXXX and they said all they can do is " escalate '' to a supervisor for review but when I asked to speak to a supervisor I was told none are available.
Product: Mortgage

On XX/XX/2021, I applied for a VA IRRRL Refi ( Interest rate reduction refinance loan ) or VA streamline loan. Currently I have a VA loan at 3.25 %. I spoke to XXXX XXXX, Loan Originator from AmeriSave. He told me he could get me 2.25 %. He asked for my social security number and I asked why since the VA does not require a credit check. He said to make sure I hadnt filed for bankruptcy. I gave it to him and expected him to do a soft pull. Next I called my current lender, XXXX XXXX, to shop rates. XXXX XXXX asked me why AmeriSave ran my credit, as they did a soft pull and saw the hard pull from AmeriSave.

The next day two different processors from AmeriSave requesting documentation from me which is unnecessary for the IRRRL. I view the loan disclosure which show the loan type as VA full documentation. Not the VA IRRRL. XX/XX/2021, I sent XXXX XXXX an email asking why : 1. The loan was switched, 2. Why was there a hard inquiry on my credit report. And lastly I did not want to continue the loan and to stop processing. To date I havent gotten a response. 

Then a processor named XXXX XXXX contacted me requesting more documentation. I responded to her and said the same things I said to XXXX. She responded with an apology and said she would request XXXX to reach out to me. 

Another processor from AmeriSave named XXXX texted me saying he was waiting for documentation. I replied with same thing I said to XXXX and XXXX. Why was my loan switched and why was there a hard inquiry on my credit. 

AmeriSave sent me a survey on XX/XX/2021, asking how they are doing. For the 4th rime I restate why was my loan switched and why was there a hard inquiry. 

AmeriSave sent me an email on XX/XX/2021, which states they closed my file for incompleteness and enclosed a statement of credit denial. 

Not only did AmeriSave switch my loan from a VA IRRRL to a VA full documentation Refi, they made a credit inquiry and then denied me credit.

To date, no one from AmeriSave has reached out to me to rectify the situation.
Product: Money transfer, virtual currency, or money service

A cashiers check in the amount of XXXX $ was generated in the form of cash for in person at Bank of America on XXXX. I simply want clarification as to why the check that was written out to XXXX XXXX. Was never deposited into my account. I have contacted BOFA to see where this check has gone. They said I changed the check small cashiers check for an amount of XXXX $ an exchanged for a larger check amount of XXXX $ at a later date of the XXXX of XXXX. The XXXX $ cashiers check has a stamp on back that is stamped by XXXX. Stating NOT INTENDED FOR ITS PURPOSE. AND NO ENDORSEMENT ON THE CHECK ITSELF? This is the problem. They refuse to give me more information as to where the XXXX  check went. I would like to dispute the charges to restore this matter for my IRA ACCOUNT WITH XXXX XXXX. Bank of America, have also try to imply, over a phone conversation with XXXX on XXXX at XXXX. That I signed that cashiers check, as I have signed a previous chashiers check right around the same time for a different amount, made out to XXXX. However, that check did go through well. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact Experian, XXXX and XXXX   via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, the 3 major credit bureaus have broken fcra 605 ( b ) laws by leaving on accounts/public records on my credit report after i've sent them all the stated necessary documents & ftc police report deeming them as fraud due to i.d theft.

Each bureau has stated over phone with me that they've received and processed the documents but are still " under investigation '' beyond the four business days of receipt stated in the fcra 605 ( b ) law. I should not be held to credit disparity due to a identity thieve. These 4 fraud items i have listed in my police report should have already been BLOCKED!
Product: Credit card

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 
The fraudulent, inaccurate, and false information consists of : 1. A Jpmcb Card credit card account opened on XX/XX/XXXX with a credit limit of {$5000.00}. 
2. A XXXX XXXX credit card account with a charge-off status and a credit limit of {$1200.00}, opened on XX/XX/XXXX. 
XXXX. A XXXX credit card reported on XX/XX/XXXX with a credit limit of {$1500.00}. 
XXXX. A XXXX installment account opened on XX/XX/XXXX with an amount past due of {$1500.00}. 
XXXX. A XXXX collection account amounting to {$710.00} opened on XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and collections appearing on my credit report. I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. Attached are a list of the fraudulent items and a copy of my credit report showing these items. I also provide a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the listed accounts below has violated my federally protected consumer rights to privacy, confidentiality, accuracy, and confidence under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights under sections : 15 USC 1681 section 602 ( A ) ,15 USC section 604 ( 2 ), 15 USC 1681 section 6060 ( 2 ) ( a ), 15 USC section 6048.