23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

After waiting longer than a month for XXXX to either give me a partial or full refund, I opened a dispute with Citi on XX/XX/XXXX for {$160.00} and provided documentation on how I tried to resolve with XXXX twice and there was no response or outcome to my complaints. On XX/XX/XXXX they contacted the merchant. On XX/XX/XXXX the merchant responded that the merchant informed us that no credit is due. Based on the information available, we have closed our investigation and reversed our credit. They told me I can still dispute the charge with dates and issues I had with the company. The only thing they provided me for documentation for the dispute being resolved from XXXX was proof that I stayed there. The whole dispute was not due to me not staying there it was due to the issues I had during my stay. I signed the paper to dispute it more and attached all the times I tried contacting XXXX with no response and all the issues I had during my one night stay. I sent them all of my supporting documentation on XX/XX/XXXX. On XX/XX/XXXX Citi responded saying they are working with the merchant or merchant 's bank to obtain a permanent credit for this charge. If the merchant or merchant 's bank will not accept this charge, we will notify you of the reason. We have reissued a conditional credit to your account for this dispute. On XX/XX/XXXX they sent me a letter stating they previously credited my account for this charge. The merchant will not honor their request for credit based on the information I provided them. 
Every effort has been made to secure credit for my account. Since they are unable to obtain compensation from the merchant, my account has been rebilled. They now consider this investigation complete. They regret that we are unable to assist you in this matter. Again, no outcome for my bad stay at the XXXX.
Product: Credit card or prepaid card

signed up for apple card ( goldman sachs ), took one week for a " fraud '' check and was offered a card. Once accepted they said they would then hard pull the credit, I accepted the card. That was XX/XX/XXXX, since then the account is locked, they did a hard pull on the credit so my report shows it and went down a few points. Since its locked I called and chatted many times I lost track and keep being told its under fraud review. 21 days to review after they hit my credit report! I got a top secret clearance faster!
Product: Credit reporting, credit repair services, or other personal consumer reports

Reccently, I did an investigation on credit report which caused me to develop XXXX and XXXX upon finding out that unverified, invalided, and inaccurate information is on my report. I want my report to 100 % right. 

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Dept of EducationXXXX 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 Thank you very much for your time.
Product: Mortgage

Hello, I filed a complaint with  Shell point servici ng. The home has been foreclosed on and we are in discussing for cash for keys. I have been going back and forth with the agent or realtor assigned to the case. I need a response so that I can move from the home and receive the cash for keys.
Product: Debt collection

The debt collection firm, Zwicker & Associates, PC called at my place of business at odd hours, harassing me about an alleged debt. 

I spoke with XXXX XXXX XXXX XXXX who claimed to work for Zwicker & Associates and I had asked him to provide me with the proof of the alleged debt from XXXX XXXX to be sent to me by XXXX, which was never received. 

On XXXX XXXX, 2016 I responded to a message left with my answering service and called the number XXXX and asked to speak with XXXX XXXX. 

The company switchboard answered and did not recognize his named I am concerned about the harassment from this debt collector and their communication tactics as well as their misrepresentation about an alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime.
Product: Student loan

In the aftermath of the Navient news, I wanted to add to the voices detailing loan mis-handlings by Navient. I consolidated my loans with XXXX and received confirmation from the state Education Department of Michigan that the loan with them had been paid. Even so Navient continued to seek repayment from me. I sent via registered mail a copy of the payoff confirmation letter.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach and identity theft which resulted in unauthorized accounts being on my credit report. I have attached all necessary documentation along with my complaint.
Product: Credit reporting or other personal consumer reports

Im not able to login to my online account. The company TransUnion refused to fix the issue with my account login. I keep getting error message saying we are not able to complete your request. I request an access to my online account.
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. 

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 XXXX # XXXX, XXXX XXXX XXXX : 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 or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of list accounts a personal loan or loans, a credit card or credit cards, and any other accounts from .These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report.. XXXX XXXX XXXX I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I 've disputed this information numerous times beginning in   XXXX  . Experian informed me that unless I provide them with additional relevant information they wo n't re investigate my dispute. I asked them for the method of verification but NEVER got it. All I got was a letter stating they wo n't reinvestigate unless I gave them more relevant information which is a violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. These are suspicious and needs to be deleted asap : 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 and XXXX XXXX XXXX XXXX
Product: Bank account or service

At XXXX, on the date of XXXX/XXXX/2016, My wife, made a deposit to our business account through an ATM at Suntrust Bank in XXXX XXXX Florida. ATM ID XXXX. After depositing the checks into the ATM and submitting the deposit, she was returned an error receipt stating that we should contact customer service. Important to note that the checks entered into the ATM were not returned and were held inside the ATM. At the moment I was informed that night, I made a call to the support center and was assured that the deposit would be in the account the following day. I went about making regular purchases for my business and was greeted by a horde of overdraft charges. The money never was deposited into the account. After calling many representatives, I was granted a temporary provisional credit of the money deposited and the fees were waved. After three months, my provisional credit was removed, unannounced, and the account fell back into a negative balance. Support claims ATM was audited and checks were not located. Also stated that the ATM adjusters were internal and I am not allowed to speak to them, if I have an issue with their judgement, to appeal. I am certain that this information is not true and correct. I doubt the institution even bothered to check. ATM has a camera and would have seen my wife making the deposit in her vehicle at that time. I am refusing to pay any fees or the value of missing funds to to Suntrust 's negligence and poor customer care.
Product: Checking or savings account

On the morning of XX/XX/year> at XXXXXXXX XXXX, I received a notification from Cash App that a transaction from the XXXX located at XXXX XXXX XXXX, XXXX XXXX PA XXXX was completed in the amount of {$170.00}. I went to the location and at that time and I was informed that there were several people who had received erroneous charges to their debit/credit cards. I gave them my contact information but no one contacted me. I proceeded to file a dispute through Cash App and they denied my claim stating that their records indicate that the traction was legitimate and authorized. That is a lie. They explained that they came to their decision based on receipt information and account activity. If they had truly reviewed my account, they would see that ( while I do frequent that location ) I have never had a transaction at that location for anything close to that amount. I would have no reason to spend that amount at a gas station. At this point I have been in contact with Cash App and the merchant and neither is willing to take responsibility for this error. I should not have to take responsibility for a transaction I did not do. I have now spent several hours trying to get this issue resolved through both parties to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have inquiries on my report i didn't authorize and i have sent in my police report showing my identity been compromise. and they won't remove them. 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 or other personal consumer reports

A strange account from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) appears on my credit. I have no idea who applied for this line of credit or why it is showing on my report. this is a fraudulent account and it needs to be removed from my personal information reporting to all credit bureaus.
Product: Mortgage

New Rez is my mortgage company I was doing a refinance last year through them, they have been working on it over a year and on XXXX last year put a late charge on my mortgage to prevent a XXXX XXXX or XXXX XXXX refinance. It benefited them to do so as they kept me locked in at 6.25 instead of 3.00 percent it is today. I either want my late removed from all 3 credit bureaus and or finish my refinance for free. This has cost me XXXX in extra interest it started XXXX yes a year plus. Ive been approved but cant get it together. Ive emailed ceo and upper management been told they messed up but nothing gets fixed.
Product: Credit card or prepaid card

On XX/XX/XXXX Bankamerica withdrew {$2000.00} from my business checking account without my authorization & without any advisement that they were going to debit my account. They applied this money to my business credit card ending in XXXX which THEY cancelled over one year ago. 
This theft on their part caused {$280.00} in overdraft fees and bounced checks but my real concern is when I called they said they can do what they want because I was behind in my payments. Additionally they said they will debit my account for additional money to satisfy the remaining balance due at their discretion. I argued this was theft and they said I signed an agreement back in XX/XX/XXXX that would allow them to do this. I asked for a copy of this document and have not received it. 
I have been trying to make weekly payments on this credit card but most of the payments do not go through because of insufficient funds. 
I am suffering a hardship at this time and explained this to Bankamerica many times. I asked if they would consider a settlement offer to reduce the entire outstanding amount over a period of time and they said they do not offer settlement reductions on business credit cards. My home is in intent for foreclose, I am behind on my NJ sales and use tax and my rent on my business is delinquent as well. 
Also, as of close of busiess XX/XX/XXXX they have charged me a total of {$29000.00} in overdraft fees. I received a refund of {$980.00} when I prove that they allow certain checks to be cashed BEFORE I scheduled those checks to be paid. Ive ask them to refund some of these exorbitant fees and they say my account does not qualify. Why? Is it because they know I am a XXXX year old woman? Or a single mother? Or do they feel believe I have no voice because I have fallen on terrible financial set backs and they can gouge me out of dollar after dollar whenever they can. 
Please help me. Their new ad campaign now states : What would you like THE POWER to do? They refer to themselves as THE POWER now, is this what they mean? POWER to extort and wring money from your account-POWER to charge tens of thousands of dollars in overdraft fees? POWER to bleed an extra {$35.00} just because you were overdrawn more than 5x in a row? 
They have to be stopped.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an erroneous credit report entry but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included these issues in my previous complaint & FTC report, and I am including it again here in the new FTC report. Ive informed my attorney of my intentions & they are excited to hold you accountable in an event of your willful noncompliance : XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$7000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX  XXXX XXXX Balance Owed : {$1800.00} XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$37000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Owed : {$8400.00} XXXX : XXXX XXXX XXXX Balance Owed : {$36000.00} XXXX XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX  XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Mortgage

In XXXX of XXXX we began a traditional mortgage refinance with Citibank. Our refinance loan was approved in XXXX of XXXX and the closing was scheduled for early XXXX. The day before closing Citibank had not provided the lawyer with necessary documents so the closing was rescheduled for the following week. The following week Citibank had still not provided the documents to the lawyer so the closing was again canceled. A week later Citibank notified us that they had switched systems internally and had to move our loan and loan documents into the new system. They informed us that we would not have to provide any additional documents and that they would take care of all of the transfers while honoring the original terms. This turned out to not be true, documents that had already been provided were asked for again. Further more Citi asked for new documentation that had not been asked for in the original loan package. In XXXX of XXXX Citi reversed its decision and told us our refinance was no longer approved. ( An action that falls under deceptive mortgage practices ). When we complained to Citibank stating that our loan had previously been approved and they can not reverse this decision they reopened our file. Since then ( XXXX ) Citibank has continuously asked us for documents. Very often the documents being asked for have been provided or addressed multiple times. XXXX employees have apologized and told us they dont understand why our refinance has not been approved. It seems Citibank is using a circular request for documents as a stalling process and means to not approve a previously approved loan, this has also corresponded to Citibank learning that I was XXXX and planned to take XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNT IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO FEDERAL AGENCY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had 2 loan modifications in XXXX and one in XXXX. The account now shows current but the history still shows 30,60,90+ days past due. Part of the modification process is to bring the account current and Im doing so the credit history for that time was supposed to be updated to show current. Under the laws of the FCRA this accounts history isnt being reported properly and it is adversely affecting my credit and score. Please remediate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA,15 U.S.C. Section 1692g ( a ), mandates in no uncertain terms thst a debtor has 30 days to dispute the validity of the debt.If the creditor can not provide sufficient evidence that the debtor was given adequate notice, the debtor must be given another 30 day debt validation period, and the creditor must provide evidence the debtor is liable for the accounts in question.

XXXX XXXX XXXX {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}.
Product: Student loan

Navient calls my elderly mother several timers per day and late into the evening. My Mother is XXXX years old and XXXX. I have contacted the lender several times and explained that I will repay the loan and I 'm currently in the process of consolidating the loan through XXXX ( Dept of Education ). However, Navient continues to call.